John,
if you or a close friend is mechanically inclined, you would be shocked to see how easy it is to change your brake pads and rotors and even more shocked by what the stealership will charge you.
I had never done a brake job before, but got a friend to show me what to do...man, it was way too easy and I didn't even have air tools!
Nowadays, YouTube and the DIY section in forums like these can get you trained and ready in a short period of time to do something like this-experienced folk will let you know if this something you should try on your own vs taking it to a qualified mechanic.
You might surprise yourself if you decide to tackle this job. Heck, you might take on changing your alternator/power steering belts too.
The perfect example of how a little bit of knowledge can save you lots of dough is changing the in cabin air filter--10-15 min job, about $15 for the filter. Stealership typically charges $50-75.
Craig