Well on the bright side, at least with web startups the barrier has been lowered, there is a wealth of information, not to mention free code that you can use to begin building your idea on the internet.
Learning to code, is no longer the preserve of Computer Science graduates, so one can start there, the basic understanding of how this technology works. You don't have to buy a Macbook if you cant afford one, a simple P4 will do.
The Idea is to start small and gradually work your way up. You only will need serious money when you have a viable Idea. I think what would help is to join a community of like minded individuals and you try ideas there.
Web hosting is cheap especially if you go for the international providers, and I am sure everyone knows at least 1 person in the diaspora who can arrange payment for these services if it is too much of a hassle to do from Zimbabwe.
If you want it hard enough you will find a way to make it work. I always ask myself this question, Do I really need money yet?
thats my $0.02