You can run a design contest for a small amount of money, and you'll get a FAR broader range of options than with just one small designer.
You have the option to only pay if you're actually satisfied with one of the entries, so the risk is essentially nothing (ie: just the $39 entry cost).
Be wary that the quality of entries is somewhat in line with how much you're offering and the quality of your feedback. That said, you should be able to get something really decent for <$1000.
Another option would be to trawl the site and find designers who's work you really like, then offer them something inline with what they'd get in the competition environment (but with guaranteed payment).
Cheers!
http://www.artificestudios.com/blog/business/walmart-prices-...
(Disclaimer: Antonio is a good friend and godfather of my little girl)
I used them for a recent project and their design was spot-on, their HTML/css was good, and their pricing was competitive.
If you want something really cheap, then put a request on some kind of freelancer site and get someone in a cheaper market to make it for you. I wouldn't - too risky - but your choice.
I spent 18 months running my business on top of a free design from http://www.oswd.org
honestly, its not terribly difficult to come up with something simple yet elegant. or, find a template from a service.
once you're ready for the big time, then you can invest in a good designer.