Well it's really simple, first get into your town, then you can buy clothes at the Able Sisters and design your own too, but if you're wondering how to change its face and shoes, it's impossible unless you restart or get a new player.
If you have nookingtons, you can go to the hair shop and talk to Harriet the poodle to change your hair, and you can go to Able Sisters to get new clothes, and design your own, but unfortunately you can't change your eyes and shoes, or skin colour.
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umm i suppose you could change your name legally...i dont know about on an "animal crossing world" though.
The Cash Shop.
Yes, You can change your hair on animal crossing wild world. You need to have the biggest and last Nook's store though. It is called Nookingtons. It will cost 3000 bells to change your hair and you can only change it once a day.
It automatically adds interest to your account every month.
Sadly, no. In City folk, you can once a day, but not wild world...