Did you know that most webdesigners don't have their own servers? Even some big internet companies, with billboards and pretty tradeshow booths don't own any of the services you rely on from them day-to-day. They design your site, then slap it up on some generic webhosting service that anyone can rent, marking up their hosting costs and passing the expense on to you.
If you've got a website designed & hosted for you by someone else, do a WHOIS search for your own domain name. Look at the DNS settings -- there's IP addresses there. Put those IP addresses into a reverse DNS lookup and see what you get. Does that IP address belong to you (a reverse lookup has your domain name)? Does that IP address belong to a hosting company, or directly to your webdesigner? More than likely, you'll be given the domain name of a webhosting farm. Go look at what they cost for a website. I've seen companies charge big bucks each month to host websites, then turn around and stick your site on a $5/mo shared server. If you wonder why your site's down, that's probably why. MY hosting will be on MY servers. I used to rent space from a mediocre company called ProHosting, but no more. These are my servers, and what I charge you for hosting is the actual cost to host it, not some marked-up webhosting service that you could buy yourself.