A Wanna-Be-Freelancer's Problem

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I'm planning on making my own designing company (staffed by me alone lol) that will focus ONLY on PSD templates and CSS or XHTML. But I have NO experience with CMS web pages like WP, Joomla, Blogger, etc. So probably i would fall on static web pages. My first problem is actually my pride, i can't finish my business layout every time I see web designs made on WP and other CMS, it's like I'm envious and too scared to show mine, that some other designers and viewers might just laugh at my work (and i really hate that). And another problem is, I'm not an SEO specialist so, I still have to think of ways on generating traffic on my website. Well i kind of thought of a few ways like making an external blog (offsite linking, forum posting etc.) but i want to hear more stuff. And, problem 3 is that, for now I can't afford a very good web hosting site for my works, and if I'd upload them into a free hosting site, my site will probably be down in just a week or so. Another big deal for a poor designer. Problem 4, is about the payment method that will be used on my website, everyone doesn't want to be scammed, so i want to know how can i place my pricing and products, on my website, so they'll just put in some numbers there, get my product and at the same time send the money directly to my bank. I have ZERO experience on other languages so, shopping carts won't help. Well any suggestion(s) or solution(s) for the probs?