Naomi, for pre-everything you're not too bad at all. Your hair is magnificent, you have a soft and round face, and there's literally nothing major in your photos that stands out as being a problem. Your body is also pretty feminine right now as it is - you're small and have a curvy figure. Many of us would kill to start from where you're starting!
For the sake of giving you some practical advice rather than merely impractical (but deserved) praise, here's two places to focus your efforts: On January 2, call a laser hair removal clinic and start working on that beard. Looks like laser will be very effective judging by your coloring, and it's a cheap way to greatly increase your chances of passing. Second, the eyebrows are thick and masculine; start working on thinning and shaping them - easy to do, and again something that will hugely increase your ability to pass.
Then get yourself to your doctor and work on snagging some hormones. With very little work and even less money, you'll be able to pass.
