Am I Balding?

Yes, I think so. I'm 32! I'm female! I'm NOT supposed to be losing my hair. But the truth is it's receding and it's not pretty. Not to mention the huge amount of hair loss that I experience on not just a daily basis but an hourly basis. It's a struggle everyday to get my hair to look like I'm normal. I wonder if I'll just have to resort to wigs and hats. There's got to be something out there that works, but what? I don't have the money to waste on all the scams so I'm asking anyone who has been through this. . .what do I do?