That $65 tune-up would prolly be worth it in the long run. If you're looking to save money,Google to see if there's any bike co-ops/kitchens in your area,or any bike clinics. It sounds like your derailleur needs the cable adjusted and limit screws tweaked.
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C'dale BBU('05 and '09)/Super Six/Hooligan8and 3,Kona Dew Deluxe,Novara Buzz/Safari,Surly Big Dummy,Marin Pt Reyes,Giant Defy 1,Schwinn DBX SuperSport,Brompton S6L/S2E-X/M6L-X/S12 T Line
