Overcoming startup challenges is just the beginning of the entrepreneur's journey and financial insecurity often rates high on the list of things that hold a would-be entrepreneur back.

I've also heard people say when it comes to the idea of starting a business, "I have no money." People assume they need a huge cash outlay to get started. Or they might not be able to survive unless they have six months worth of living expenses in the bank, in case the business gets off to a slow start.

Rarely have I met an entrepreneur who started with that kind of cash in the bank! And rarely does a small home business require a lot of startup capital.

If "the money thing" is stopping you, consider this. You might SAY you have no money but you probably have resources at your disposal that you hadn’t considered or perhaps hadn’t wanted to consider. When you're overcoming startup challenges, the question is: How bad do you want your own business? What will freedom cost you?

If you had to come up with a couple thousand dollars for someone’s funeral tomorrow, what would you have to re-arrange, financially, to make that happen? Where would those emergency funds come from?

That’s where your home business funds can come from. Because after all, the freedom you’re after – to be your own boss, to follow your bliss, to live a life that you enjoy – is a serious EMERGENCY!

Of course you can always live off your credit cards for awhile. You may have minor startup expenses such as office equipment, computer, supplies and so forth, as well as marketing costs including print materials, a website, and networking events.

If you're using your credit cards to expand your business, the catch is, of course, you need to generate enough income to make the monthly payments. Still, credit cards may be just the thing you need to get started in your business in the first place. For some people, if the business required a lot of cash for startup, they would never have been able to do it.

You may also consider a partnership with a friend or family member so you’re not the only one investing in the business. If it's a 50/50 split, you will both be working towards the same goals while footing the bills equally. Keep in mind you will then have to split the pie as well.

The main point here is, don't let money deter you from doing and having what you want in life. There is always a way, if you want it bad enough. People who are up to big things in their lives are bigger than their problems. So it’s up to you to be bigger than “no money.” Find a way. Work it out. Take the risk to be your own boss. It might get uncomfortable for awhile.That's probably when you know you're following your entrepreneurial dream.

Take this fun quiz to see if you're really ready to start your own business.