The first thing I would do is get on hormones, especially spiro. This way you won't damage your looks anymore. I done that between 17-20. £13k= 20k USD practically, which seems like a lot of money to me. I can find a plastic surgeon in Mexico who can do the works for less than 10k. Plenty of good ones there. I'm from the USA.
I quit my spiro thing for now, since I don't think I am going to transition. I saved up all my money for FFS, but I didn't carry through. But if you chuck it little by little, you'll get there, even if it takes 1-4 years, you'll get there. If it could be easy, I would wish that money fell in my lap, but it doesn't. There's no easy route to this...
I am okay with being me(cis-guy) versus living as a transsexual woman (which life is 10000x more harder). I know I am a woman trap in a man's body. I know that I will take care of my looks if I had them better than any woman, especially those who let themselves go. I should be the most attractive woman in the building. I am a transsexual woman and there's nothing that I can say that will make this different.
It's really hard... but just keep saving and working, and finding ways to get there.