As said by Tony Re/brakes, if your O.H. is mechanically minded the job can be done under 4hrs, if he's unsure LEAVE IT, you can get a decent full set off EBay But do not (BYE CHEAP) you say you only use the car twice a week! there is every chance what you hear is Rust on the disks, this occurs after rain then leaving the car stand, but as soon as the car has done a mile or so it disappeared, check what I suggested regards the total cost if needed.