"Do you have a website?"  How many times have you heard THAT?!  Okay, you realize you must have a website, but can't design it yourself and can't justify spending a grand or more for your website at the moment.  Rather than having nothing or having to say "It's in the works." .... say YES!, then send them to your site.  If  nothing else, have your "dot com placeholder" visible until you decide what is best for you and your website.  This will instantly give you a web presence and professionalism. (Price includes purchase of your dot com name and design of the placeholder.)