I don't use any services. I make my own design. I use Notepad++ as IDE for Web development and Photoshop or Illustrator for a Website design. Sometimes I use fireworks when I have to create gifs for the site. The Biggest learning curve was learning Photoshop and Illustrator. They have lots of functions and I took me a lot of time to learn most of them.
I have never hired a web server to design a website for me. I did all the coding myself. I read a few programming books a few years ago and took a couple of computer science courses, and it deninitely comes in handy when you want to put work into something amd make a good product.
I've never hired anyone, because I've never needed to so far, but I am open to it. I just prefer to do things for myself whenever I can do it for now because I don't want to add on to the expenses any further. When I can afford to, I'll definitely be looking into hiring some people.
I do not purchase graphic designing services, but I used to sell them. I always used to use Jasc Paint Shop Pro. I never got into Photoshop as much as everyone talked about it, it just wasn't for me. I made some good money designing banners and website layouts, but it was just too time consuming for me to continue now.