What you do not have in finances, allows for you to be creative. You have taken the first step to entrepreneurship. Being worried someone will 'take' your idea, will only continue to deter you from going on with your own plans to be a business owner. Have to dive right in. Be able to speak to your business in a few sentences or less to capture what opportunity, issue you are trying to solve. I would research and practice pitching. As well as even watched pitches on youtube. Check out startupweekend.org and attend a weekend to network with professionals, entrepreneurs, investors. This is a good experience for anyone to get out there and learn and see what can inspire you to keep going. Check out local universities entrepreneurship, startup labs, innovation labs, launch pads - plenty of university, grad, freelance, career transition people are available for some web based experience to not only help you, but also help to build their portfolios as well. This is a win win. You won't and shouldn't have to pay much for an intern or stipend to people that really want to help and not take advantage of you. Visit co working spaces in your local area, go to networking events, business, entrepreneurship meetups in your local area. Your main focus right now is on having a clear understanding of your business, being able to explain it to a 5 year old/grandma so that people can understand, knowing that you are filling a new or meeting an opportunity. Once these things are clear, you can then focus on getting very specific with a web designer. In the interim, you can create a one page message, mailer with a few lines of your business and say stay tuned as your site is coming soon. Hope this helps and all the best.
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