Financing transition: Miscellaneous

Think through any special transition costs that might be specific to your needs.

Wardrobe: Most people have a one-time spike in clothes money at the time of transition. The amount needed will largely depend on the sort of work you do and the dress code there.

Breast forms: Some women buy these prior to or in place of surgery, although this is unusual.

Makeup: The amount needed will largely depend on the sort of work you do and the dress code there.

Hair and nail care: These may increase depending on your needs. Women's hairstyling tends to run about two to three times that of men's, exclusive of coloring.

Other: Think long and hard. For instance, I got a second phone line (one for boy calls and one for girl calls) when I was in the middle of things. Some people get a post-office box. If you have some special needs like this, try to think them through. Any spending plan should have at least $50 a month in flexibility for unexpected costs, too.


Do not base your own budget on these examples!

  • Example 1 is the minimum anyone has reported for the category-- best-case.
  • Examples 2, 3 and 4 represent standard ranges, with Example 3 as my attempt to show the most typical.
  • Example 5 is the maximum anyone has reported for the category-- worst-case.

  • [1] Read all notes in purple for explanation of estimates.
  • [2] Notes in red contain very important information that will significantly affect costs and budgeting.
  • The "Your estimate" column will be filled in as part of Exercise 7.
  Example 1 [1] Example 2 [2] Example 3 [3] Example 4 [4] Example 5 [5] Your estimate
Miscellaneous [6]

.

.

.

. . .
Work wardrobe [7]

--

600

1,200

3,600

6,000

.
Other clothing [7]

400

800

1,200

1,600

2,000

.
Cleaning bills [8]

--

--

60

120

360

.
Accessories

120

360

720

980

1,440

.
Breast forms

--

--

--

--

300

.
Makeup

50

100

150

250

400

.
Hair and/or nail care

--

200

360

720

2,100

.
. . . . . . .
Subtotals

570

2,060

3,690

7,270

12,600

.
  • [1] Assumes no change in work wardrobe or uniform needed, and male clothes gradually replaced via existing clothes budget from Exercise 5. Minimal accessories and makeup used. Does own nails and hair, or is still growing out hair.
  • [2] Assumes minimal change in work wardrobe, and male clothes gradually replaced via existing clothes budget from Exercise 5. Some accessories and makeup purchased. Monthly salon treatment above what was previously budgeted
  • [3] Assumes complete change in work wardrobe (dress casual), including normal accessories and makeup. Monthly salon treatment above what was previously budgeted.
  • [4] Assumes complete change in work wardrobe (formal/professional), including normal accessories and makeup. Monthly salon treatment cost above what was previously budgeted.
  • [5] Assumes complete change in work wardrobe (formal/professional), including designer accessories and expensive makeup. Monthly salon treatment and weekly manicure above what was previously budgeted.
  • [6] These are costs usually associated with the moment of going full-time. Annual amounts shown. The assumption in other categories is a three-year total. This category assumes one year of full-time after two years of preparation.
  • [7] Estimates reflect one-time annual cost to build a basic wardrobe. Costs are in addition to normally-budgeted clothing money in Exercise 5. Subsequent annual clothing budget would likely be much lower.
  • [8] Women's cleaning bills tend to be higher than men's, even for the same clothes item. This estimate reflects additional costs above those budgeted in Exercise 5.

Order the interactive spreadsheet of this financing information.

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