Ask HN: I'm a 14yo HS student. How can I improve my situation?

Sorry if the title sounds whiny. I'm currently in HS and I have been doing development since I was eleven. I'm doing web development now but I have several limitations. I don't know how I can schedule my time. There always seems to be too much school work, but I know that there are a lot of people like me who do activities outside of programming and manage to found many websites.

I’m facing limitations because I don't have any money to even buy a $20 VPS or a domain name. I don’t have a bank account so I can't buy books from the Internet. What's your advice for overcoming these, what should I do to improve my situation, and how should I schedule my time?