A developer, the First step is never to create a product.
Step 1 is alwasy
Test market acceptance:- Create an MVP, you would need a developer for it and try selling to people unrelated to you.

If 20 people are ready to pay for it and you have some revenue rolling in. Then invest in UX.

For now, check out similar products and get inspired by their UX and most developers should be able to do a satisfactory job of creating a UX from a sample.

For developers or UX designed just go to something like TopTal and pay by the hour.
Pro Tip:- Listen to Mixergy, a podcast. They tend to give out coupons for Toptal. This should also help you as far as your budget is concerned.