I decided on a whim that I wanted to redesign my blog, and with not a large budget I searched Etsy for templates. I found a great designer that lives in Munich, Germany and she was super affordable! Premade templates are THE way to go if you want to start a blog and don't have any HTML experience. You can find templates for Blogger and Wordpress, and for an additional cost designers will work with you to customize the site.
Here are some great design shops on Etsy: