Now my brakes need to get done....

I just can't catch a breath of air financially.

Very upsetting.

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Hardest part of brake pad replacement is taking off the tires. Save your sats and buy the pads to install for yourself. I just did this on my BMW for under $100, this level of maintenance is barely beyond doing your own oil change and not even as hard as a tune up replacing plugs, wires, etc.

You can do this! At most, you may need to buy a few cheap tools, i.e. a caliper press & maybe socket set.