If you have a short neck like me scarves are impossible, they just make you look cold, they just don't suit some people.
My friend had a 'thread' procedure where they put a barbed plastic thread under the skin from just in front of her ear down to somewhere in her jawline (I'm not sure where) then tightened it up so it dragged the saggy jowls upwards.
The effect was to kind of brighten up her face so she looked less careworn. It was very subtle.
Sadly she's now dead or I'd ask how she went about finding a surgeon for you.
If you can afford it, and if it bothers you that much - go for it.
(the bruising takes longer to go down than they say)