Sometimes I regret that I transitioned this early...

[Frostice]

It feels that I've put myself in a deep ditch. My transition has got my life really hard to live. I barely have enough with money to pay all of my bills, and sometimes I have to skip to eat for a day, a few times during each months so my economy can go around. Yes, I have a job, but still...I don't have that high pay It's REALLY hard to get any kind of job where I live. I know that you will tell me that I should find a new job, but trust me, it's impossible.
I have loans to pay back when I failed to study. But most of all...my hormones is causing the biggest concern with my economy. I haven't been able to take my antiandrogens for 2 months now, cause I simply cannot afford it anymore...

Also. I really need to spare my money to a dentist. Which I cannot afford...cause all my money has to go to the bills, a bit of food and hormones.

Also...I have to keep in mind that I have to go to laser removal every 6 week. And yes, that costs me loads of money, everytime I have to make a trip to the clinic.

I want to move, but I cannot afford to move...

Also...I also need to start antidepressive medication, since I feel that my mind has gone really fubar. But I cannot afford to start such medication. At least those talk sessions with my therapist are free, but those doesn't help at all...

Sometimes I wished that I didn't transition this early...

[Miss_Bungle1991]

Aren't there any medical insurance plans that you could get on to help you out?

[Frostice]

Aren't there any medical insurance plans that you could get on to help you out?

No

[stephaniec]

Is it possible to take a break and restart

[Frostice]

Is it possible to take a break and restart

Put HRT on hold for a while? The second concern after HRT is my loan. I've made a calculation that it will take me at least 12 years to pay back the loan

[stephaniec]

Others on this forum have taken a break from HRT for a number of years and gone back on. As far as the loan what kind of loan,

[JLT1]

Beyond the cost of HRT and electrolysis, how is your life affected by transition?  What other problems are there?

[Frostice]

Others on this forum have taken a break from HRT for a number of years and gone back on. As far as the loan what kind of loan,

I cannot do that, since I have my SRS done in a year, which the goverment is paying.
It's a loan you can get if you are studying.

[Frostice]

Beyond the cost of HRT and electrolysis, how is your life affected by transition?  What other problems are there?

Well, I've been more alone, since I got alot harder to gain trust at people after I transitioned. Beside the problem with my economy, I have problem with my mental.

[stephaniec]

Maybe others have some suggestions. I don't know how it works when the government is paying for the srs.

[Hayley]

I am sorry you are having financial issues. I don't really know the specifics of your life but having to skip meals you don't want to is never a good sign. I do have to say debt is something that pretty much everyone has. Have you looked into seeing if there is a way to have your student loans defered? Like here in the US (in my experience) is that if you are taking classes still you can have your loan payments defered until you are no longer a student. So find a way to take a class or something. If you can't do that or if that doesn't work I would say look for side work to make extra money. Walk dogs or pet sit. Maybe baby sit or something. I really don't know I mean most people have debt and will spend a majority of their lives in debt. I hope things turn around for you.

[Hikari]

I understand what you mean totally. About 3 years ago when I was really starting to push transition in earnest, I wrote a blog entry called "Research Suggests don't jump the gun" https://www.susans.org/forums/index.php/topic,100573.0.html in which I explained a bit of my reasoning for holding off on how much I would push transition early.

The thing is, financial and social support are just as important as mental and physical readiness, and I wish it wasn't that way because I could probably have been done with transition by now had I pushed as hard as I could, but what quality of life would I have then? Since that blog post in 2011 I have tripled my income, and I still don't quite have enough to start with the real surgeries (I am on HRT though, and have been for a while), if I had tried to push it, I likely would have ended up homeless back then, whereas now I can afford rent, I am not dependent on a partner to survive (which is good because she left me).

I see it lists your country as Sweden, so I am not really what advice to give when it comes to becoming financially strong in order to get on with your life, but perhaps there are other Swedes here who have more experience?

[Frostice]

I have already split up my loan so I instead pay every month instead of every 3rd month. And they do not agree to do further more. I am forced to pay it back since I didn't get any grade what so ever when I studied. If you cannot get your grades within a certain deadline, you have to pay back the whole loan. Which happened to me.

Sweden have one of the best welfare system in the world, but I cannot get help from the society, since I already earn above, what we call for "existence minimum", which is very low. It's just enough for people to get food and pay the rent. And I earn slightly above that amount. However, we also have something that's called "högkostnadsskydd", basically means that when we have payed up to a certain ammount at the pharmacy (about 320 dollars), and after you've reached that amount, we can get it for free for 1 year. However, some medicines doesn't include, and I have to pay full price all the time and that's a major issue for me.

[Allyda]

I have already split up my loan so I instead pay every month instead of every 3rd month. And they do not agree to do further more. I am forced to pay it back since I didn't get any grade what so ever when I studied. If you cannot get your grades within a certain deadline, you have to pay back the whole loan. Which happened to me.

Sweden have one of the best welfare system in the world, but I cannot get help from the society, since I already earn above, what we call for "existence minimum", which is very low. It's just enough for people to get food and pay the rent. And I earn slightly above that amount. However, we also have something that's called "högkostnadsskydd", basically means that when we have payed up to a certain ammount at the pharmacy (about 320 dollars), and after you've reached that amount, we can get it for free for 1 year. However, some medicines doesn't include, and I have to pay full price all the time and that's a major issue for me.

You are very cute. I feel for you as I still am for the moment paying for my hrt meds out of pocket. Although this coming Tuesday that will all change. However I also understand the stresses of taking classes (college courses) and if you don't maintain a certain grade point average you don't qualify for assistance or a deferred loan payment. At least that's the way it works here in the US anyway. I truly wish I had some advice for you, but I just am not familiar with the way things work in your country. I wish you the best in whatever you decide.

Ally