My logo splat (which I LOVE!!!!) was originally a gray/blue color splat with a premade theme. I hired a graphic design person for about $20 off of warrior forum (leo aljiro if you are interested) and he colored it and added in my photo to the header. Yay!

I did pay someone $5 to design one for a site I'll be unveiling tomorrow, but it wasn't exactly what we wanted which is my fault so I didn't use it.  The designer would have made revisions but I felt bad asking for that when I only paid $5.  My sister ended up making the one we're using.

I think a header design is an easy and affordable way to make your site that much more awesome, and i highly recommend getting one!  (of course I'm slightly biased. )   ;)

Plus he's one of us!

With that said, I use GIMP, which is an open software graphics program.  It takes a few days to figure things out, since it is based on a Unix platform, but it can do everything photoshop can, just for about $500 less.  If you're not interested in spending the time and effort on it, that's understandable.  But if you plan on continuing with your online life, it may be worthwhile to learn, for future projects. 

The Dividend Pig

Peter from Bible Money Matters runs a logo website (the link is on the bottom of his page) if you go through his archive I think you'll be SHOCKED how many people used him in the PF niche

Yep thats Logos for Websites.  A lot of great blogs used them and I think we ultimately will as well.

99 Designs is popular. You get a bunch of bids from different designers and pick the one you like best. I have not used it yet, but have heard great things. It is cheaper than most professional design options.

http://99designs.com/

Looks really expensive compared to Logos for Websites

http://99designs.com/