3 months for learning web dev is short, then there's all the nonsense like configuring servers you're going to have to learn too (which will be a much bigger time sink than you would guess). Might as well get paid while you learn it. Hell I've done an access DB for someone and I'd never touched it before, relied on my SQL skills to get going. They were the ones insisting on Access btw, not my recommendation :)
It's good to know what you don't know, but don't let it scare you out of getting going.
The only other thing I can add is local networking. Start going out to local business events. I got work the first one I went to. Obviously won't happen like that all the time, but I've come across 3 or 4 opportunities in the 12 months I've been doing that and I'm crap at networking, only costs me 2 nights a month and it's usually fun. Good ROI in my book.
Oh, and be careful of underestimating how long something will take.