Although my husband is not a mechanic, he is very knowledgeable about many kinds of car repairs and maintenance. He has replaced the brakes on several of our vehicles and it has saved us a lot of money.
If you go to a car parts store and buy the necessary parts and know how to do this maintenance yourself, you can save over half of what it would cost you to take your car to a shop.
The most important thing though is that you know what you are doing and do it the right way. You don't want to take any chances when it comes to the brakes on your car. For most people then, the best option is to have a qualified car repair man do this job.
Even though it is never convenient to come up with the money, you will know that you have the job done well.