installing win 98 on top of xp

i have a problem…a big one…..that of lack of knowhow and resources….
i have win xp installed…..
i have win98se setup file on my hard disk……
i don’t have a cd-writer…so m hard disk is all that i have
i don’t know how to partition my hard disk….(but i am hopeful,i can learn that up)
i beleieve i have only 1 hard disk(40 gb capacity)
is there any way i can install win 98 under present circumstances without a cd?
obviously.i want DUal BOOt