I use to have your same excuses:
1. I do not have what it takes...
2. I do not know where to start...
3. I have no computer skills...
4. What if I fail?
5. What if is a scam?
6. Not enough money...
7. Not enough time...
8. Not the right time...
9. Let me sleep on it...
10.I have to talk to my mate...
They are all valid, and I can have an argument for all of them,
but here is a simple answer for all of them:
IF YOU REALLY WANT SOMETHING, YOU WILL FIND THE WAY TO MAKE IT HAPPEND...