Laurel, like has been said, there will be lots of help here should you need it. What we did when we were thinking of 'just' a visitor visa was to print off a few copies, both of us (here and in phils) and just go through each question one at a time while on Yahoo and fill it out together. It takes time I grant you that, and can be a bit frustrating, but it will avoid you spending that hard earned cash.
Steve
