First of all, you need to figure out what it is you really enjoy doing. You mentioned you think you need to work in a service type of business, but why / how did you come to that conclusion? What area of service do you enjoy? I believe I read in one of your post responses that you like the HR side of things...but do you like it enough to want to do it every day, all day?

Starting a business is hard work. You need to come up with creative ways to promote yourself and your business, brand yourself, gain a customer base, etc...and if you are on a tight budget, this may be even tougher. I don't mean to be a downer, but you really do need to take a lot of things into consideration. Most importantly, as I mentioned, do something you really enjoy - otherwise your business will be like your current job and you will grow to hate it.

Perhaps you can try to gain a few clients via one of the many freelance sites, such as ELance.com, Guru.com, etc. There is a small fee to pay, but if you get one client then it pays off. I suggest doing this while you are still employed, just to be sure you have money coming in.

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Kathleen
http://www.ewomanweb.com
Providing the tools and resources to work at home and start a home based business