Hi AetherBee, welcome!
First of all, I want to say that fear is my worst enemy. I'm slowly coming around. Whenever I have fought my fears and done something that scared the crap out of me, my fears turned out to be imaginary and nothing awful happened. I even made a few fiends and allies along the way. Still, I need to be reminded of that all the time and fears still stop me sometimes.
When I fist noticed a need to make changes, I started out with things that take a lot of time and are easy enough to do without sticking out in the crowd too much. I couldn't be open about it for a long time and also needed time to figure out just exactly where I was headed.
I grew my hair out and started working on my skin. I worked outside all my life and there was a lot of sun and weather damage to repair. I'm still working on that.
I went on a diet to loose male pattern fat. That way when I start HRT I can add new fat, hopefully in the right places. I also started a workout routine to slim my waist and to add bulk to my butt and hips.
Hair removal. I shave my whole body weekly and, until I started electrolysis, I shaved my face twice a day. Now I have to leave some hair for my esthetician. Electrolysis is going to take a long time. My face is covered with blond/white hair so electrolysis is the only method that will work for me.
Practice putting on makeup. Some people live in big cities where there are places that will willingly take you in and teach you. Not me, I live in a rural area. I have not yet found such a place. (It may be just my fears talking, I'm concerned what their reaction might be so I haven't had the courage to actually ask yet). I watch a lot of tutorials on youtube.
Voice. If you can, find a voice coach. I feel that my voice makes things uncomfortable when I'm being me in public.
That's a lot of stuff to do and all these things help me to feel better. While I'm doing these steps, I have time to seek out sources and funds for the really big stuff like therapy, HRT and surgery. I have plenty of time to decide just how far I want to take surgery. I'm certain I want a tracheal shave to reduce my adam's apple, but do I want to go further? I have time to decide.