Hi
I am also going to Bruges in October, I am travelling from Bournemouth, so see you at the change over point. I have been a couple of times with Just you, and many times on single holidays, and it is great fun.
As to packing, I just take everything, as who knows what the weather will be! As to money I always take far too much, but I always take a credit card and debit card with me as back up.
Look forward to meeting you.
Carol