Thanks for the replies guys.

One of the things I hate most in life is not knowing what I'm doing. I love learning but hate learning at the same time. I want to make this as easy as possible for me to feel comfortable with it hence some of my choices.

Reason for the CC vs cash is I do have a SO who has access to the shared bank accounts. The credit card is only in my name and they don't see any charges on it. As we have moved to an almost entirely cashless society of late, getting cashout would seem suss. Where as I can squeeze the occasional charge on the CC and it can be for fuel etc. We are trying to gain airline points for a European holiday next year so using the CC is almost welcomed.

I know that massage only is frowned upon I was more asking about the shops where the NHJ is included are the ladies expecting FS bargaining or are they happy to just do the massage and NHJ. That's kind of all I'm really looking for to start with, a bit of pampering if you will.

I love the sound of midas83 package 3 but no recent reviews on here combined with very average photos of the girls on their website is putting me off.