Transition need not take money. Sure if you want HRT or surgery, you'll need therapy, etc. But if you just want to be a girl, shave your body hair, stuff your bra, etc., and come out to the world, that doesn't cost much. It wouldn't be a perfect transition, but you could be yourself whenever you wanted. What in this life really is perfect?
I don't mean to put pressure on you to do anything you don't want to or aren't ready for - just pointing out an option. I know people who have done this and ended up very happy with their transition.