Here is a resource that may be very helpful. http://www.streetsmartsmarketing.com/free-ebook.htm
In many cases we are well served to outsource some of our business tasks. For example, I do not do my own design work. I am not a designer and to spend my time trying to figure out web and blog design is not a good use of my time.
Running an online business does require some investments. Not doing so is one of the major stumbling blocks people have. I like the post with all the steps. Great recommendations.
Prior to the Internet I worked with brick and mortar businesses. One could not get into business without some financial investment and yet, the #1 reason they closed their doors was lack of proper funding.
You might want to check your local Chamber of Commerce to see if they have any programs that can teach you how to put a business plan together.