Do a maintenance course, buy tools, do it yourself. You’ll still have money spare over what a bike shop will likely pull your pants down for.
Most bike shops will not “Pull your pants down” they charge what is costs to run a business, buy all the tools and employ somebody to do the work. By all means get the tools and learn how to do it but if you need stuff doing now go have a chat with a LBS suggested in the list. Best to go when it’s quiet and speak to the mechanic, tell them whats going on/wrong/funny and see what they say. Ask for a quote on parts & fitting based on what you discuss and go from there.
For most home servicing a 4,5 & 6mm allen key set, a T25 Torx tool and some screwdrivers will start you off. Then add cable cutters, cassette tool, HTII Tools, hammers, grease, lube, clothes, cleaners, cable ends, strange tools you’ve never seen etc.