Are you on Facebook? Facebook is a wonderful tool for networking and there are tons of cover designers and formatters there. Many designers have groups where they showcase their work and offer discounts, etc. Also, getting with authors in your same genre and asking them who designed their books is a great start as well.
First decide if you want a custom cover or a pre-made. A custom cover is going to be a lot of money but you can get a beautiful premade cover for 50 dollars or less.
My advice is to learn how to format. It's not hard and will save you money in the end. A lot of authors format their own books. There are Youtube videos and sites that will show you how to format.