Hi and welcome and please forgive the mega long post! I'm a single adoptive mum
I think the very first thing to consider - because donor insemination and adoption are such massively different routes to becoming parents - is to think very carefully about how you feel about: pregnancy, having a newborn baby, and having a child who shares your genes. There's nothing wrong with wanting those things, but adoption is a process you should only embark upon if you are comfortable with not having those things. So if you have doubts about that, or would like the experience of pregnancy and baby, then I suggest exploring your options with donor sperm/other fertility treatment. The other thing is that parenting an adopted child can be quite different from parenting a birth child, a lot of extra bits to it (eg. talking about birth family, their past and background, but also the vast majority of children have some form of additional needs because of their history), so it's important to think about that. You are still young in adoption terms - many many people who come to adoption do so in their 40's. However in terms of conception, you aren't young and your window to explore having a birth child is going to close quicker than your window for exploring adoption is going to.
Basically, you have to be able to let go of what it means to have a birth child, a little baby, a genetically related child and to parent a birth child, in order to become an adoptive parent, so I think it's important to explore that if you're still considering donor conception.
- Financially speaking, social services will want to see that you have an income which provides for your outgoings and that you will be able to provide for the things your child needs (not luxuries, but food, clothes, furniture and so on). A large amount of debt might well be an issue, but some debt isn't an automatic barrier, as long as you demonstrate you have a plan to pay it off.
- Being single in and of itself really isn't an issue any more with a good agency. Some childrens social workers are looking for 2 parent families and I think you have to accept that you may be passed over for some children in favour of a married couple. But there are plenty of single adopters nowadays and I haven't heard of any in recent years who failed to be matched with a child. There are plenty of childrens social workers who are very comfortable with single adopters - and indeed, some children for whom a single mum is preferred.
Having support around you is another issue. You do need to demonstrate that you have some sort of support network around you, to provide you with emotional support as well as anything practical if you need it. It doesn't have to be family though, it could be comprised of friends etc.
- Naming is a subject we've had massive long threads on before and a range of opinions! But basically to keep this short, the first thing is that to change a childs name, the child has to be young enough to accept it, which generally means under aged 2 at least (exceptions as always). It's an issue that is explored more in the process itself, but I think something nearly all adoptive parents would emphasise, is to base your decisions off your childs needs and your childs best interests, and to make sure your own desires are kept well secondary to that. All children and situations are different, in some situations a name change is absolutely necessary, in some it is not. Social services are usually not at all keen on name changing, but at the very least, they'll be looking for a parent who will keep their childs needs at the forefront of the decision making process. Going in saying "I'm definitely going to change my childs name" might well be seen as a big problem.
- Gender preference is okay, as long as you can show you've thought it through. I was approved for a girl only, both times I went through the full process (I now have a wonderful son as well!). Basically, it won't be a barrier for you. It's something you would also explore in depth during the approval process. (my very personal opinion nowadays is that it's often a good idea to keep your mind open unless you have a very strong preference, because who knows, maybe you come across a boys profile and just know this is right for you).
TWO girls/children - there is a shortage of adopters for siblings, especially older ones, but adopting siblings has its own challenges! Again, something which can be explored in the process, you don't need to know going in whether you are open to siblings or not. However you also need to consider how 2 children as opposed to 1, will change the ages of the children you would be looking it because two siblings aren't likely to both be aged under 2. Basically, you need to ask yourself how you feel about babies, toddlers and older children.
- The vast majority of children have a plan in place for contact, which for most children, is 1 or 2 letters a year. Realistically, if after exploring it, you still arent comfortable with contact, you've massively reduced the number of children who would be a good match for you, and I do mean massively.
I have seen people be approved who aren't open to contact, but they do tend to wait a lot longer for a match. And sometimes, they don't find one, especially if they were also looking for a young child with no or few additional needs/background issues. They have to drop out or adjust their expectations. (background issues are things like drug or alcohol exposure in utero, parents have mental health issues, or learning disabilities which may have a hereditory component etc and needs could be emotional, behavioural, developmental, medical, learning related etc)
I know you haven't mentionned what kind of needs/background issues you would be open to but it's important to think about because I would tend to advise people that adoption might not be the right route for you if you're only looking for a very young child (under 18 months) with no contact and few or no additional needs/background issues because there are so few children out there who fit that profile. Basically, adoption is service for children, to find them the families who meet their needs. It isn't a service to find children to give to families. The key to understanding social services approach and what they're looking for, is to understand that!