Don't have friends become investors.
Don't ruin your credit by pulling a loan (not like a bank or financial institution would support a seasonal business plan..they don't see it like we do).
Don't borrow from family!
It's good to have a business plan.
It's good to know what your basic expenses will be.
It's good to know your capabilities and the resources you have readily available.
But it's even better to just do what you can afford as you can afford it. That way if you fail, your biggest loss is really the mental suffering from failure, but if you succeed you can rejoice in the mentality of knowing you did it and you did it right.
It's not about the money, it's about the ability to utilize your creative problem solving skills to the fullest.
I know your history on here and I know you have what it takes, but money ruins things QUICKLY. If you can't do it now, wait til you are in a situation where you can.
Develop obtainable short, medium, and long range goals, tackle them one at a time and do it at a pace that will not break your bank. Use your head and use what you can to climb your way to where you want to be.
Best of luck, and don't give up! It takes time my dear