[iqster]

Google's app engine and Amazon's EC2 both offer free tiers. Windows Azure might offer a free tier too. I think for App engine, you might not need a credit card number.

My suggestion is don't waste cash on domain names and physical books. You can use the free subdomains that you get from App Engine for now. If you write something awesome that people start using, you might be able to make some cash off of that. For now, you should focus on learning and building.

For time, I'd suggest coding really early or really late. Basically, when you have few distractions. Blast the music on and give at least 2 hours per coding session.

Best of luck to you!