Of course, money spent on a designer will buy you peace of mind because you can leave the designer to it, but you'll have to wait for a space in their (possibly busy) schedule to get the job done. A template, on the other hand, is ready when you are. All you need to do is add your words and images, and customise the site to suit your business's identity. In fact, a template excels here because you can fuse your expert knowledge of your business with the template's professional design.
So, go online and look for network marketing companies that are ready to pay you for your referral services and you will be surprised how easily it can become an online residual income earning business for you. At the same time, you will also get several other benefits that are usually offered by the web development companies such as free template creation, emailing facilities etc.