Clearance is your friend! When I got started, I bought from the clearance sections of clothing stores and got some really good deals, and I've even been able to make some of those clothes work with the way my style has evolved. Like others have said, you'll probably find yourself buying new clothes periodically anyway.
And you never know how HRT will change you. I started HRT when I was 30 and I expected next to no body changes, and I have crazy hips and booty now. lol