As someone who started Indy, then got picked up by a publisher, then continued on as a hybrid author (being published traditionally as well as continuing to publish independently) I have learned over the years the important of being able to Do It Yourself.
As such, when it comes to book layout and design, formatting, and typography I have found that DIY is the way to go to save money. You want to spend money on editing and cover design -- let the professionals handle the real important stuff. But when it comes to formatting, anyone can learn to format. And studying typography is easy if you have even just a basic artistic sense. If not, there are templates and guidelines which can help you out.
I tend to go hog-wild when it comes to formatting and typography. I absolutely love it. Anyway, here's a sample of formatting from my upcoming book Valandra: The Winds of Time Cycle Book 1.
By day I am an educator and a cultural ambassador. By night I entertain notions of being a literary master. In reality I am just a family man and ordinary guy who works hard and loves writing just about as much as I love my family. Just about.