I've maintained my own website for some time (two of them, in fact, one to sell my books (www.vincentberg.com) and one to post my free stories (www.crumblywriter.net, which features NO SEO keywords as I don't want it to be found by my paying customers!). I've also advised a few newbies on creating their own site.
If you go with free, especially for writing any form of porn, is that with a single complaint, WP (WordPress) or the other services can shut you down cold--and there is NO medium to argue your case.
You can find several low-cost sites (first year only a few bucks, more for every year after that). I use hostica.com, but I'm sure there are more options by now. The advantage here, is that the pay sites offer a huge variety of tools, include the full professional WP package (meaning you can use WP (or similar sites) with additional features without their creative control.
For the first year, you won't pay much for the website, but you will pay for your website name, which you'll want to maintain. If you forget to pay, someone else is liable to grab it from under you and post things (mostly ads) as you, creating bad PR, and making your fans distrust you.
I'd also be cautious about using the term "Blog". A blog suggests that you're mostly using it to mouth off (i.e. talk about what an expert you are on a variety of topics). A website suggests a professional site which features services (i.e. a story site as opposed to someone telling everyone else how to write stories.
This is a typical trap many aspiring authors find themselves in. They'll start a blog, and in order to feed the ravenous appetite for free content by fans, they end up writing blog entries full time, never managing to advance as a fiction writer. That's why there are SO many 'writing blogs' telling you what NOT to do, rather than suggesting how to succeed.
If your problem with the pay sites is a lack of credit (i.e. no credit card), I'd suggest using paypal. You can either tie it directly to your bank account, or by depositing funds to the site. What's more, instead of having hundreds of different sites storing your credit card info insecurely, you only have a single site, which is invested in protecting your credit info.!
Hope that helps. If you have any further questions, feel free to contact me directly (not sure there's a way to do that on the SOL forum, under the old Google Groups you could always elect ("Respond via email")).