You can spend no money on transition. Just start being yourself.
You can also spend hundreds of thousands of dollars on transition.
Most of us are somewhere in between.
A great money expert named Barbara O’Neill said, “If you don’t know where you’re going, any road will get you there.”
Now, let’s find out where you’re going.
This section is written for adults. I also have a section on money for young people.
Note: The PDF version is not available at this time. The information was out of date.
What you will need
A spreadsheet option
- The program Microsoft Excel.
- The free online program Google Sheets.
- The free download OpenOffice which includes a program called Base.
- A free mobile budgeting app like Mint or spreadsheet app like iSpreadsheet or Zoho Sheet.
- You can always just use paper, too.
A way to make notes when not home
- Many people use their budgeting or spreadsheet app.
- Some people prefer a paper ledger book. Any size notebook will work.
Change how you think about money
People in our community often have a hard time through no fault of our own. It can be hard to find work and hard to pay for basic things like food and housing. In a perfect world, trans healthcare would be free for anyone who wants it. We do not live in that world.
The pressures we face can make us feel sad, angry, anxious, or even hopeless. But there is always hope!
Do not worry about the things you can not change. Focus on things you can change.
You may have to change how you think about money and how you use it. Try to ignore your bad thoughts about yourself and your life from now on. Focus on your good thoughts. You have so much to offer the world!
Good thoughts will help you make plans and action!
Please do the steps in the order below.
- Your values
- Your dreams
- Your assets
- Your liabilities
- Your monthly expenses
- Your monthly income
- Your needs, costs, and schedule
- Hidden costs and savings
- Common pitfalls
- Saving and investing
- Loans and credit
- Bankruptcy as a last resort
- Your four options:
- Planning your timetable
- My own costs and goals
- Your spending plan
- You can do it!
Disclaimer: This is financial talk, not financial advice. Some of this may not apply to you. It is presented without warranty. It may contain errors or omissions. You must do your own research.