Not sure if this will help, but here's my plan for the next two years! I'm planning on srs in September 2012.

Maybe January 2013 or somewhere there
I can't save up srs money right now, I have to save up to change my name and once thats done I still need a new wardrobe and then electrolysis. Which who knows how long could take since I need it both on my face and woohoo. =X
But either way I'm hoping to have those things done before the years end and then I can start saving up for srs. Then in July 2012 I will see how much I have saved up, consider how much I'll need for a loan etc. If I'm close I'll try and save up even more, but it looks like a loan is where I'm heading. Just hope to death I can get one. =/