Honestly I applaud your efforts for creating a character from scratch, but it's a complete waste of time. You can spend months creating something nice, but it will most likely still not be as good as an exciting character. Especially the typology will most likely be a mess compared to an excisting one. And you really need a good one for posing/animating or you will get wierd bending etc.
In my opinion you would be much better of downloading an exciting character and morphing that one that your liking to create a new character. Your typology will be perfect from the get go, and you will still have an unique character. Even if your aim is a more cartoonist style character I would go this round.
And spend the months you would spend on learning to create a character on the other parts you need to learn/create. How to texture them (which takes a lot longer then you think it will for human characters), rigg them, pose/animate them, create shape keys for expressions, lightning, composition, etc. 3D modeling is just a minor part of creating a character.
And maybe spend more time on the environment if you really want to 3D model stuff. In my opinion it's better to learn how to create furniture, buildings, etc. from scratch compared to a character as you won't be able to find a good base model you can morph for all the environment pieces you want/need.