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@IanRingrose: Yeah that was a pull from the hat. In the US you can find places doing oil changes as low as $15 during promotions. I personally use Red Line Synthetic in my own vehicle which runs me about $70 for 5 quarts and a decent filter.
It could be the belt itself (the sound of it passing over the different pulleys). Could also be the water pump pulley or the A/C compressor pulley. It's not likely that it's the crank pulley (the one that drives all the others) or you'd have other problems. You can try the old trick of rubbing a bar of soap (plain old Dial or something similar) on the underside of the belt to see if that quiets anything down. If not, then it's probably a bearing in one of the pulleys. The best chance of figuring out which one is to take off the belt and check each one.
