There are many faces of a good web designer. You need one who is a good listener and understands what you want from the beginning. You need one that is detailed oriented, has clear communication, presents ideas in a nice format, is frugal with your time, gives you weekly updates, and makes sure the project is on schedule.
It is good to know the value of things before spending money on them. Web design had changed significantly in past few years. If you are looking to create a site that attracts visitors, then you must invest in a good designer. It doesn't really matter if the website is for business or personal use, it needs to look professional. If your sole purpose is to have your website rank higher in search engines, then it is a different question altogether.