I second everything Dena said, and would like to add a means: MeetUp. You can search for hobbies or interests that you have, and it will give you a list of groups in your area that match that interest. It's great because at a minimum, you know you have something in common with these people AND the whole purpose of the groups is to meet up for events in real life. It makes it super easy to get out, meet some new people, and expand your network which could open up opportunities for dating. LGBTQ support groups or social groups are a good idea. Church could be good as well, depending on the kind of church and where you're located.
If you're young, I wouldn't worry too much about money. I think the majority of people my age or younger are all focused on making sure bills get paid with maybe a few indulgences here and there. So it would probably be seen as admirable that you don't go out often because you're saving up for something that matters to you.
FWIW - I've never been told by a woman that my junk is an issue. I'm always up front with people that I'm interested in ("I don't know if it will make a difference to you, but I'm transgender, and I have yet to have SRS. I am planning to have it later this year and I'm totally open to explaining anything you want to know about it.") and I've never had anyone say anything rude or tell me they weren't interested. If you're looking for gay men you may have more of an issue based on what I've heard from other guys, but IME ladies are fairly open minded.