lol wish i would have seen this sooner would have told you not to mention anything about offering your SEO services.
Been there done that got the shit for it.
My suggestion to you is pick up one or two clients that have a buttload of domains, setup small sites for them on the side and continue to build your own as you go.
That is what I do. I too have no health insurance and I have crohns disease, currently not taking any of the 25 pills im supposed to be taking daily because its just too damn expensive to go buy them. Oh well as soon as im doine paying off everything i owe i can worry about that "small stuff" again i guess.
GL to you, feel free to contact me if you are looking for more info or just to bounce ideas around
Lou@Loun.net