This is bad (and is also why most newbies will continue to fail).
If you are too afraid to invest in getting yourself your own domain name, hosting account, and a high quality reliable autoresponder service, then guess what?
You don't really have a Business.
I won't say that it takes money to make money, but I will say that if you are too afraid and scared to invest in yourself, your education, your long term future, and your business, then your chances of actually becoming successful and making a full time living from home is slim to none.
Never be afraid to invest in your future because by doing so you will enable yourself to be successful and make lots of money online.