Kim ... You certainly look like a woman. You look like one tough woman that can handle herself in nearly any situation. Nearly all of us can look in the mirror and see our flaws. I know I am my own worst critic. I have enough battle scars on my face from all the fights I was in while living as a male. Those scars ain't going away. But, those scars tell others that I have been to hell and back several times.
If you look at yourself, you should find ways to be proud of how you look. Falling on hard times is part of life. I am sure you could rebound. Cutting back on certain expenses can help. I wouldn't worry about FFS if I were you. Your face is just right for a woman of your build.