It always seems daunting at first, but once you get working, and if you work slow & steady (I.E. don't rush ANYTHING) then you should make it through just fine.
If you've got a few dollars, buy some very necessary tools. I've got the following (though there might be others, anyone want to chime in?).
*-Xacto with a #11 (I have about 12 #11 blades spare too)
*-Xacto with a chisel blade
-Old Testors hobby knife (Works good for putty, you can get putty spatulas too)
-Jewelers screw drivers
*-Hobby files, I got a cool 5 pack from Home Depot for $12, make by Nicholson
*-Emery Board sanding sticks, kind like those things women use for their nails. My LHS carries them for $.75 a piece, in 4 grits.
-Tweezers
*-Xacto saw, I exchange mine with the chisel blade, so I can use the big red handle with the chisel too.
-Dremel if you're into doing it that way, just be VERY careful no to take to much off!
-Pin Vise, I drill a majority of my holes this way, as using the Dremel, I could go off course. I mark the holes with the Xacto knife, creating a good starter hole.
-Pliers
-Scissors
-Pen & Pencil
*-Miniature calipers, or miniature slide ruler. I have the later though I want to get calipers
-Scale Ruler (I have one I printed though I don't know how accurate it is, a Metric (MM) ruler would work fine for HO, as 1'-3.5MM there.
-Testors clear parts cement (or competing brands, I like the tip on the Testors bottle).
-Plastic cement (I usually have 4 different kinds, I like the Testors tubes both Blue & red, and the Testors black triangle bottle (fine tip) and I've got the cement pen on hand too).
*-CA (Cyanoacrylate Adhesive, AKA Super Glue), I've got both 2-5 second gap filling, and 10-25 second "extra thick". I use BSI Adhesives, partly because thats what all my LHS's carry.
http://bsiadhesives.com/
-Silver & Black Elmers paint pens found at Wal*Mart in the craft Isle, work WONDERS on windows.
*-Filling putty, I've got Testors, and Squadron white & green.
-Testors Wood & metal cement, the green tube, for wood projects, and attaching metal to wood.
I think thats it...
The necessaries for your project are marked with a star.