It's possible you can get some group therapy sessions for free, they might help. Either way the journey is mostly an internal one, self reflection and development is free. I would advise either looking for resources online, or trying to find self help groups out there where you can more openly talk about your own feelings.

I'm not sure what you are looking for by posting though, is it validation? Help? People offered both of those from what I can see. Unfortunately HRT isn't a magical fix-all, but it helps as much as it can.

Maybe people can help with your HRT medication if you post some numbers relating to it, I'm not sure how you're sourcing it right now if you're low on money but it might help to have some advice there.

Besides regular therapy, lots of places also have employee assistance programs (EAP) that are no cost. That's how I got started.

There are ways to get free or reduced cost therapy.

If you are employed, see if your health insurance plan covers therapy. If not, see if there is an Employee Assistance Program or something similar.

If you are a student, check with your school/college/university, many offer free therapy sessions.

If you aren’t either, you can still get cheaper therapy by asking therapist offices for a potential discount, sliding scale payment plan, income based payment plan, etc. You can also try to book with a clinical intern or therapist in training.

Some universities may offer discounted therapy sessions if you see a student therapist.

Community centers or community health clinics sometimes offer free or reduced cost therapy.

If nothing else works, places of worship also often offer therapy, though make sure it is a place that is welcoming of LGBT+ people.