When you build a site. Visual effect is very important so you should have some nice design (that helps earning money for sure). If you don't want to spend money on that you can look around for freebies. Here is my list I have done for you.
Free Templates
http://www.freecsstemplates.org/
Free Icon Sets
http://www.smashingmagazine.com/category/freebies/
Textures
http://www.texturewell.com/
All-In-One
http://psdtuts.com/category/freebies/
