Site builder

i was wondering if its easier to learn to build the website with a webpage builder or to pay a professional to set up the stie. The site would be one where i would have to be able to update it everyday if needed on my own, as well as have a credit card payment system set up on it as well.
Most of the updates are text only and not graphics or other stuff.

for someone who did it all themselves how long did it take you to build the website, find a webhost/server, and get up and running!

for someone who did it with help … what did you go through. thx