You should go see a dermatologist. You would be so surprised how many non-invasive procedures they have out now for wrinkles. And sooo many prescription creams. You said you never spend any money on yourself....pamper yourself by going to a dermotologist and get some work done. That is what I would do.
I am 23 years old, but the cream I use for acne also works wonders to prevent and correct wrinkles. It is called Retin-A. Many older women who obviously don't have acne use this stuff because of the wonders it does on wrinkles. It is only available by a prescription, though. You should look into it.