From my own experience building something out of nothing, with and without funding, I rely on a very detailed cash flow plan. I have shared my step by step instructions here: https://medium.com/p/1761907a7d9b
The Excel template cannot be posted in a Medium article, but it is available from Gumroad:
https://tomvogel.gumroad.com/l/run-your-household-like-a-business
Feel free to use, share, or send me your feedback to improve the template!