Julie,
Welcome to Susan's! You will hear from the usual suspects here on Susan's welcoming you and the list of rules.
I get senior discounts, if that is how old your are as well. My situation is the same as yours except I didn't crossdress. I said that I will not fully transition too, but the HRT really changed things here. My finances is the thing preventing me to transition fully. I hope that you are seeing a doctor or therapist on this.
Joelene