Don't dress the part that shows you have money.
I'm F too, and my mom (bless her - she's gone) used to tell me "you need to dress better".
And husband (love him too) says "sometimes you dress like an old man" (because I will purposely mis-match plaids and stuff that doesn't go together).
I wear little jewelry when I'm out to not attract attention either.
SO I rarely get asked for anything.
I've found when I DO dress nicer and DO wear my jewelry (which, thanks to mom and dear husband I have more than I need, thanks) I DO get asked for money.
Problem solved, for me anyway.