there might be free applets out there for chat rooms - but they will be pretty limited - you still need to know some basic html and web design - chat rooms aren t used as much as they were 10 yrs ago - finding advertisers will probably be almost impossible until you get 1000 s of weekly users and then you might get enough to pay your hosting fees - maybe
I say build the website yourself, anyone 12(and often do) and over can do it.im currently learning through w3 schools.The chat is a bit more difficult, it requires using other languages. There are tutorials on youtube that teach you to do it with php and such.the adverts you will understand when you build your site.
I have found that this website that offers many work at home jobs. You might want to get those that are most suitable to you. Here is the site, enjoy!
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