If you only make 140 per fortnight, do you qualify for any government assistance?? If you can find a therapist online, you can probably explain to them that you'll take hormones either way, and want to do it safely, and they'll get you a prescription under the theory that they should make sure you're proceeding in a safe way. I don't want to talk you out of therapy, longterm, but if you really can't afford a weekly session, getting only enough sessions to get on hormones might well have a hugely beneficial effect on your mental state. You'll effectively be stopping any further masculinization, and becoming chemically female. For many, that actually is enough without further surgery etc. Something to think about....