Are they discs all round or drums in the rear?
Changing disc pads is something you'd definitely be able to do, drums are a bit more involved but easy enough still. How's the pedal feel? Is it at all spongy as it may be time for a bleed or fluid change.
I get pretty paranoid about brakes these days because when I was in NZ I had a total brake failure and put my little 4x4 corolla through a fence and then ended up on a sandy beach!