Mick, I've found both GF 1 & 2 and Lisa Mc's Acoustic/Fingerpicking tutorials to be invaluable. There is enough theory thrown in and plenty of exercises to get you to where you want to be. It will take practice, but I can't imagine paying the money you have been handing out each week, for the depth of knowledge and lessons available here.

I don't know how they do it, but the instructors manage to answer just about any question posed to them.