Web sites, especially good ones aren't easy. If you don't have someone offering to build it you're going to have to shell out some money.
Think of it like building a barn. It takes some expertise to build. You need to know how to build walls that can support a roof. How to build the structure to support the roof. How to put a roof on. If you don't know what you're doing you're going to need help. And, it's not something trivial. Building websites is done but software engineers, programmers, designers, artists, and other professionals.
So, if you don't have people volunteering to do it you'll need people with the technical expertise. That might cost you.
I found a great site that I'd love to be able to recreate in Joomla! www.lifechurchblaine.com Problem is, I don't know HTML or CSS and I really don't want to take the time to learn right now. Actually, that's not true. I'd love to learn, but I think my wife and kids would suffer for it. So, how can I make a template of my own for Joomla! without knowing HTML and CSS?
Oh, by the way, I can design the thing and get it running, but our Administrative Assistant would like to keep it updated. While she is quite computer savvy and willing to work long hours, I'd rather she had something simple to update. If it weren't for the initial $1000, I'd love to do something like http://www.cloversites.com/.