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If you've got some basic photoshop skills you may be able to find something pre-made and make slight changes to colors and such to fit your needs.
https://graphicriver.net/category/logo-templates

I appreciate this information. I agree I don't want to go so cheap that it bites me down the road. I do need to be reasonably frugal though since startup capital is minimal. I am open to better...

Also, a lot of these cheap logo people are just using software templates or parts from sites like Graphic River. They aren't actually "designing" anything. Think about it, what talented, educated...

Many times people come to me with a logo that I still have to fiddle with in GIMP to make it work on different things and in different areas.
You also want make sure you get a .png with a...