Chelsey Harwood always turns heads when she goes shopping and loves splashing out on designer labels.
But incredibly the pretty blonde was born a boy, called Andrew, and since she started living as a woman seven years ago, has been flirting with men online in exchange for money and expensive gifts.
So far she's made £120k - even though she never meets up with any of them and is still a virgin.
Chelsey, 26 – who chats to the men avia a web cam- boasts: "I’ve got 35 guys who send me gifts. Recently one gave me a diamond bracelet worth £7500.
"I sold it the next day and spent the money on handbags and shoes. My clients all know I'm transgender and they love it.
"I don’t care if people think it’s wrong - they're just jealous.
"I’ll never slave away in a nine-to-five job when I can make up to £2500 a month – and get loads of amazing gifts without leaving my house!"
Staggeringly, the men receive nothing from Chelsey - who's upfront about her past life with them - apart from online friendship.
"I'd never meet them in real life, it's only ever on the webcam," explains Chelsey.
"Most of them are lonely or get their kicks from talking to a transexual."
Chelsey was born Andrew and grew up in Liverpool with his parents and older brother. He first realised he was different when he was eight years old.
Chelsey recalls: “I used to play with my cousin’s dolls while my brother would be playing football but I just thought I was gay.
"I came out when I was 16 but although I started dating boys, I never slept with any of them because I wanted to save myself for the right person.”
Andrew didn't realise he was transgender until he was 19.
Chelsey says: “I'd always been envious of women's bodies but I'd never cross-dressed before. I only realised I actually wanted to be a woman when I saw transexuals and transvestities in nightclubs. I thought they looked beautiful. I told my family and they were surprisingly supportive."
In February 2007 was prescribed female hormone tablets by his GP and had £5500 breast enlargment surgery, to boost his chest to a 32C paid for by his boyfriend at the time.
Chelsey - who changed her name by deed poll - recalls: "My partner was fine about me wanting to become a woman - he just wanted me to be happy.
"I loved my new boobs and went out and bought a whole new wardrobe, full of pretty dresses and high heels. I got my nails done and invested in some long, hair extensions.
"Luckily I've got a slender frame and feminine features. Men started wolf whistling at me in the street - which I loved!"
Two months later Chelsey, who spends over £1000 a month on botox, lip fillers, hair styling, manicures, laser hair removal and facials, started working as a webcam model.
Single Chelsea - who had never worked before - says: "A friend mentioned she was earning good money from chatting to men online, so I signed up to a website, where I could earn £3 a minute.
"I was nervous when I had my first caller, but all he wanted to do was chat and watching the money add up in the corner of the screen was great."
Now, Chelsey, who had full gender reassignment surgery on the NHS in April 2010, says she hasn't looked back and now logs on up to six times a week, for eight hours a day, and can earn over £600 a week.
She's often asked to dress up as a nurse or flash her body but says it's harmless.
She says: "I'll talk to anyone but I prefer the rich ones, like bankers and lawyers, because they give me more. I never ask for gifts, my regulars know what I like and send me presents at least once a week - I've got Mulberry and Chanel handbags stacking up at home.
I've never dated any of them because I'm waiting for Mr Right. They know it'd never go further than talking online and if they asked, i'd refuse to see them."
Single Chelsey, who says her family and friends are supportive of her career, reveals she's saving her virginity for her future husband.
"I want someone rich enough to keep me in designer clothes and botox for the rest of my days. My motto is - my money is my money and their money is mine too!"