Hey there! Sounds like you're keeping up a great attitude, which is very important!
Just thought I'd add my $.02...I agree with earlier comments that you can set up an e-commerce site pretty easily. Probably the easiest way is with wordpress, then you can get a free ecommerce plugin. Check out this site:
Passionate about T-Shirts - Inspired by Music | DJ T-Shirts | Worm Sign T-Shirts
It's a tshirt site with basic ecommerce. They use a plugin called eshop
eShop: quirm.net
I'm not affiliated in any way, I was just researching for a basic ecommerce site I'm building.
You'll have to do your research on various plugins, etc to find the right one, but if it's a smaller ecomm store, you'll be ok with wordpress. I believe the one above only accepts paypal (which allows credit card payments also on paypal's site), but maybe that's enough to get started.
If you want something more advanced, many hosts offer free carts like zen cart or cube cart (I've never used those personally but a lot of shops do).
Also, if you want to take credit cards directly on your site without leaving, you'll need a dedicated SSL Certificate. They can be found for cheap, but you'll probably have to pay a couple extra bucks a month for a dedicated IP to use it - check with your host.
Most merchant accounts will check your credit, so if that's a problem you'll have to get someone to help you, or use another alternative. You can still take credit card payments offsite through Paypal, Google Checkout or Amazon, in which case you won't need an SSL.
So it can be done for very little money, and a lot of hard work. Good luck!
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