Sarah,
While I have a business, like you, I have no money.
I did not have the luxury, of timing my transition, to coincide with electrolosys, or a trachial shave, etc. I was just propelled into it, by the size of my boobs and I am left with, the overwhelming feeling, that this is the best thing I have ever done, in my life.
My local support group is uniquets.org.uk and I had a chat with Penny, tonight. She is brilliant, at holding hands, in often quite harrowing circumstances and had spent 3 hours, on the phone, last night, with a distressed T-girl. Of me, she said "You do not have to tell me, you just sound so much more confidant" I am lucky, to be able to do this, without being too troubled by family. If it is right for you, then you must go ahead; I spent 55 years, in a state of angst; I have come out, in less than perfect circumstances, but have never felt so right and contented, in my life.
I wish you all the best,
Chrissie