To service or NOT to service

Wig

Oil change, as said, is cheap at national tyres, phone them up and ask how much it will be. Failing that, ask a small garage how much he would charge for oil and filter.

The cam belt could last another few years, but if I were you and it is still going next year, then you should change it.

Have your brake discs changed too, you can phone around many motor factors (motor factors are parts suppliers not garages) and one might be quite cheap compared to the rest - I have found one who is 40% cheaper than the rest on brake discs. It's amazing what you can save by phoning around.

, then buy your discs and take them to a garage for fitting.
Brake Pads are not that expensive so you might aswell buy a set of those too.