Question

فقط باید با هزینه شخصی اقدام کنم

Answer 1

I have to proceed at my own expense.

I have to pay the expenses personally.

Comments

you should self-finance your studies

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I think 'Self-financing' is used of organizations and businesses, not of people. 

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you can extend the meaning to other areas as well

anyway, have to pay out of my pocket is also a possibility, though i heard self-financing a lot in native English countries

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Thank you.

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most welcome

Answer 2

I have got to start on my pocket.

Answer 3

"I have to take action/act relying on own budget/pocket."

"I have to make a move on my own budget/expenses."