I've know since I was five and growing up it was always in the back of my mind, but it seemed so shocking and embarrassing that I just kept it too myself, secretly venturing into my mums wordrobe. Once I moved out of home I developed myself a bit more with crossdressing, living a double life. Going out as a guy and hanging out with men was just boring and I avoided it. As soon as I started going out as me I would never be home. People knew there was something up, they could see it in me and my voice etc, everyone thought I was gay and that pushed me to tell the truth. Being labelled as something you're not hurts more, the rumours destroyed a lot of old friendships which helped me start my own life. It wasn't easy I struggled with it being in a relationship that ended on top of everything about myself that I was going through. But I got through it and as soon as I told my mum everything fell into place. The weight lifted from my shoulders and I no longer had to pretend I was something I'm not.
For me that was the turning point, telling my family, getting their understanding and support helped so much. But even if you don't get that support you can still be yourself and live your own life it's your choice.
I am glad I was financially stable before I came out as I lost my job while struggling with everything and my savings helped get the ball rolling.
Basically when you are ready in yourself, if you come out and then everyone just looks at you like "well are you going to be a girl or what?". Being able to let yourself go and fall into being yourself (practising behind closed doors etc) is helpful!! Growing your hair and buying some new clothes etc getting prepared for it is a good start. A try before you buy kind of deal! From the first time of going out in public dressed as me, it took less than 12months to start HRT, but everyone is different.

2c
S.x