Helloooo, I hope I can give some tips that helped me.
So first, I would say if you have a story you want to tell, tell it! A good story with eh art is better than a eh story with great art. Besides, when you're starting off, people will expect your art to be rough. As you carry on, and as you draw more your art will improve. Basically, whats the worst that could happen if you start telling your comic now. Don't try to compare yourself to other artists, they've probably been at it for longer, and have likely gone through some rough spells with bad art.
Right now that thats out the way, I'll focus more on the nitty gritty.
So I think firealpaca is a pretty good program, and tbh most programs are pretty great. Most artists I know do all their work in one preferred program (if you have a windows, maybe try sai, I think its free, and its pretty great), rather than jump through a thousand, and you can still do some great art in anything. While I'm not going to lie and say photoshop is the same standard as them, photoshop has a sharp learning curve, and tbh I dont use over half the things for it, and certainly didn't when I was starting off. It isn't the program thats making the art, its you.
What I'd save up to do, if you haven't already, is buy a tablet. These are absolute game changers, and I'm not sure whether you would have one or not, as you didn't mention. Imo, a tablet is more important than whatever software you use.
Now for some tips on your art:
Its not bad. Expecially your second image. There are some issues with anatomy and proportions, but that comes with time. The colours chosen are good, and the line work is nice. Your style is interesting too.
If I could offer one things, though, is don't shade with black or grey. It sucks all colour out, and sticks out quite a lot. I like to use a more saturated colour for my shadows, eg I use a grey/pink/mauve colour for skin shading. Usually adding colours is better than removing. Also, I think how you did hair in the second is better than how you did in the first. Again, I can see its scribbled, and it doesn't look like stands of hair. Stick with the cell shaded look, if thats what you like.
So to sum up: If I were you, if you wanted to make a comic with your art, do it! But if you want to improve your art first, I'd recomend drawing a lot on paper, until you can get a tablet. Draw everything and try and get in a routine of drawing everyday, if you can. Even if its a smiley face, it helps. Fill pages with studies, with your own drawings, with inspirational pictures of stuff you like if youre that kind of person. That will help you with your drawing side of art (like I said, its not bad, just a bit out of proportion and stiff, but this all comes with practice). Then, you can look at the other side and try working out how to colour and paint your art, which may involve looking at colour theory (i didn't find it as boring as I expected tbh hahaa).
Good luck, and I hope I've helped.