I'm filing for my name change on the 19th of this month, even though it will throw a huge spanner into the works of my life. I'm on food stamps, I'm the payee for my daughter's disability funds, I have court documents regarding custody in my female name, I have medical debt, student loans, transcripts at 3 colleges, an apartment lease, utility bills, a PO Box, checks and debit cards, paypal account, library card, voters registration, and on and on and on. All that has to change, and not all of those agencies and organizations are particularly friendly about change.
But it's getting too stressful to go on every day with a female legal name. It's bad for my self-esteem, and it creates awkward situations. The unpleasantness of it has gotten to a critical turning point, and I'm ready to take on almost any amount of red tape in order to live as myself.
I'm changing the gender marker on my state driver's license along with my name. It takes a letter (not the same as the hormone letter), but requires no surgery.
I'm a little confused when you talk about living as female with a male name. Are you not planning to transition yet?