I'm pretty early along, too. I had my first appointment with a therapist last weekend, and my second coming up Saturday. We'll be discussing HRT. Thinking about HRT gives me an odd mix of anxiety and excitement. It's great, because I'm taking my first real step towards transition, and it's terrifying for exactly the same reason.
Expect to go up and down a lot as you explore this. I've had a rough couple of weeks lately where I started slipping back into the depressed, withdrawn guy I lived as for so many years. Losing touch with this side of me adds to the fear -- if I'm not feeling 100% about starting transition, my mind starts questioning it and forgets all the positive / happy bits, and the doubts/questions start feeding each other. It's a lot to deal with, but know that you're not alone with it <3
One thing I wanted to point out -- depending on your area and situation, there may be low cost gender-specific therapy available. For instance, my town's Pride Center offers therapy services via student interns for $10-40 per session:
http://choicesconsulting.com/fees-insurance/ ("Center Support" box at the bottom)
With something like this, for $10 and a ride you may be able to get some help without having to divulge much to family until you're ready. I hope you can find something that works for you.
And talking to a therapist isn't as scary as it sounds. Most of the time, after you get past the initial hump of saying "I'm questioning my gender", the rest flows out easier. The therapist isn't friend, family, or even an acquaintance -- they have zero involvement in your life outside of therapy. Plus, they're legally bound to keep what you tell them confidential, and they aren't judgmental (if they want to keep clients and pay their bills, anyway!). Realizing this makes it easier to open up to them.
Also keep active on this site. It helps a lot to share with others and hear about their struggles and successes.