noob looking for basic advice on sailing- please

ok i think we are getting there slowly, i think the main probelm is, my questions are maybe so ovious to people who sail that they think i must be asking somthing else
far as i can grasp so far, mooring at a haurbour or marina cost ball park £30 to £100 a night yes/no? , somone said you can moor at bouys at about £15 a nightm take it that safer, then and i seem to get the impression that if you use an anchor in a bay that free?(if so can you row to shore to buy the latest copy of ybw or do they charge for that, is it less

an interesting point on one of those link was insurence, it sort of says long term sailing will finfd it hard to get imsurence, this is somthing else i need to look into, i might have to buy cheaper yatch so i have money to buy another when i sink it :P
 
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