Note: I don't know where you live but D.C. in the US has a clinic that provides trans*-related services, including legal help, therapy, surgery letters, and HRT.
If you can, look for a GLBT clinic or a doctor that does informed consent. Ask yourself: do I want therapy? Or do you feel the need to see a therapist? If yes to either, then look for a therapist that does sliding scale payments and is willing to work with you. Be up front about what you need and what you're looking for, and you're sure to find an arrangement that works for you.
As for transportation - do you have a license? If so, ask a friend or family member if you can borrow their car for a day and pay for the gas. I know you're tight on money, so save up. Have a little stockpile going before you start spending what you don't have. Waiting is frustrating, but sometimes it's better in the long run if you just have something as backup. You never know when you'll need some money, after all.
Also, if you don't have a license - buses, trains, cycling, carpooling, etc are all great ways to get where you need to go.
