First off I'm sorry about your mom. I lost my mom when I was young.
Your whole post you've put yourself down numerous times so I'm guessing you have low self esteem and maybe a bit of anxiety. Are you on meds? Even if it's hard for you to open up, maybe you can work with a therapist and maybe even grief counseling for your loss.

I used to be a hair stylist and I've always recommend Nioxin for thinning hair. You can find it at a professional salon or maybe try Amazon. I would try that first before trying anything like rogaine. You also might want to look into the company Bosly (sp). I see commercials all the time for hair loss treatments but yours might not be advanced enough yet. Also see a doc and get your testosterone levels checked.