Truth is, with everything, start with what you have and grow it. Don't know how to make a website? Get a WordPress.com/Tumblr/Posterous blog, learn little by little, try out some CSS/HTML, then get your own hosting when you can, branch out, and eventually you never know where it might go. It might go good, you might love it and learn a lot, but it could fail ... you'll never know if you don't try. And if trying doesn't cost anything, why not? Go with your basic resources, and give it a shot.
"Just do it" may be the best slogan ever.