Design Costs
This is always a thorny issue, whenever you are getting someone to do some work for you, and webdesign is no different. Some designers offer a range of packages for fixed cost (eg 3 pages for £150), others are more open ended, depending on the requirements. I take the view that regardless of what goes into a site, it is the amount of effort required to make the site work as desired that determines its cost.
I don't work for money, but for iTunes music vouchers. This is so that I never have sight of anything to do with your bank or credit card details. It allows you to purchase the voucher using your preferred payment method. You get to keep a receipt. I don't have to handle cheques or cash and I can purchase music to listen to. Vouchers are widely available from places like Tesco, Comet and Currys. If this is a major problem for you, then we can sort something else out of course.