You already know what you need to do.
1) Stop wasting time on sites and in the gym and get yourself a side job or something. Make that money to get your surgery ASAP. It's a confidence killer and you will always use it as an excuse.
2) Go out and join activities where you will meet people, especially girls. Try yoga or dance classes or even a cooking class. If you can't attract girls after meeting them then obviously you are not attractive enough and need to go after less attractive girls. I never find a problem getting a girl interested in me whether new place I go (usually the hottest girl at that) so you just gotta meet them.
3) If you have time after all these, work on your attractiveness. Get some game, fix up your looks, work hard and build a career. Be a man, live your life well and girls will come easy to you.