I am in the very early stages of bootstrapping a business[1], I have no problems using Photoshop or Illustrator from a technical stand point but my design skills are rather lacking (see link). My plan is to take an awesome premium theme that has the PSDs and use it as a framework from which to build a design if not original with be distinguishable as my own.

I wish I could afford the time of one of my designer friends, I know some kick ass designers but even at mate rates my current budget isn't enough. That said I am planning on bribing a couple of them with booze and a home cooked meal to get some advice.

[1] http://www.relishment.com