How do I Find the Courage

I was listening to an old episode of Planet Money (which I love!). They were discussing the Monroe Plan (if I remember correctly) & how effective it was in Europe after WWII. Actually, they were discussing how beneficial it would be in Africa. It all came down to starting a business, teaching people about a business plan & how to follow it. Entrepreneurialism is the way to go - at least that is what I took from the discussion. And it scared me. It scared me because I want to start a business. I want to start a no cost business. I don't want to borrow from the bank. I don't want to get into debt. I don't know how to write a business plan. Would I be able to follow one!
Starting a business is more than just finding my creative niche, my passion, it is also about finances and accounting and being organized. Two of those things I am lame at.
While I was cleaning the TV room, I found this paper I cut out of Country Living Magazine. They have a convention for women going into business with a fabulous product. Here is what they suggested: 1) MONEY, MONEY, MONEY (which I don't have!): 2) Belief in my Product (which I'm trying to find!); & the following: a) business plan (go to sba.gov); b) capital ( which is the money, money, money thing!); c) tax id # ( I do have, but have no idea where it is at!); d) a mentor (reminder to myself-check out SCORE for a mentor!); e) business cards.
I need practice on marketing myself. I need to start subbing so I earn the MONEY, MONEY, MONEY, (though I've totally enjoyed being home!). I need to go solicit my business card and market myself as a sub. It will be good experience for my future business! Right?!