i didn't get a grant either hon. I agree with others, don't need to get your insurance until you start work so just make sure you take a deposit from first child(ren) to pay for this. Is the CYPOP5 course the ICP or Level 3. If you have to pay see if they will allow you a payment plan hon, to pay so much per month maybe.
I have never paid to advertise with cards, or posters hon. I just make my own, put them up where it is free, never had business cards. I use *****. I did pay a small amount to be able to message parents on chilcare.co.uk but you can put a profile on there without having to pay at all, just means you have to rely on people calling you rather than you calling them.
do the *****, childcare, local authority ads now, get signed up for your course, then leave the ICO and insurances until nearer the time.
The other thing I'd advise is spend some time getting quotes from your own and other insurance companies re: car and household. Some companies are fine with adding on childminding and business use but some charge phenomenal supplements which you DON'T need to pay if you shop around.
Good luck
if you do what you've always done, you'll get what you've always got
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