46? Wish I had started at 46. I am 57 and have been on HRT for three months, and full time for about 6 weeks.
There are lots of girls and guys here older than you, so don't worry about being the odd one out here.
It's great that your ex is understanding, and your friends are on board. I had to start out alone, so if you have female friends who can help with appearance and body language tips you are well ahead of the game. I have had to watch the pennies too, so like a lot of the girls here, I started shopping in charity shops. Nothing wrong with it at all, in fact it has become trendy here of late.
The best advice I can give is to get good laser facial hair removal started as soon as you can. My laser place was owned by a Dr, so could use a high powered medical laser which took about 6 sessions to remove virtually all the dark hair. The grey ones left don't show after shaving. If you decide transition is not for you, well you just don't have to ever buy razor blades again!
When I was unable to afford things, or was feeling uncertain, I would simply "people-watch" in the local shopping malls etc, to pick up female behaviour. If you are making slow progress it is still progress.
Karen.