I like this very much http://www.bvckup.com/
Beautiful site! Love it, and I know what you mean.
for wordpress has a nicely done menu and is free).
For the latter (graphic design), there's no easy way. I couldn't design my way out of a bathtub, so I did eventually buy a commercial theme (ca $35, there are cheaper ones too). It's hopeless when you don't have the skill or the tools.
Then there are commercial apps that come with ready-made designs that you can use directly or tweak. These apps come prepackaged with moderately well-designed graphics, such as buttons, themes and color schemes that you can fiddle with. For example, you could try Easy Button & Menu Maker
. It sells for about 20 Euro, so not cheap for a one-time use, but it's something you could consider. Perhaps even a trial version would suffice.
(Then there are more expensive, advanced ones such as Xara or Artisteer. I don't think there are free alternatives that would also include ready-made designs.)