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It's important to choose the right class, because if you get it wrong, you may not be able to register a trademark. And if you do manage to register for the wrong class, you can't change your registration later to name a different one, or to switch from a good to a service.
Trademark Class 36 includes services for insurance, financial, monetary, and real estate affairs. Registrants mainly use Class 36 for financial and monetary services.
No, once you submit your application to the IP office, you can't add more classes.
If you already know under which basis you will file, you can begin the process by selecting the appropriate initial application form. There are two initial application filing options: TEAS Plus - $250 per class of goods/services. TEAS Standard - $350 per class of goods/services.
Common law trademarks are free and do not require any paperwork or forms. There is no way to register a name trademark for free because you will always have to pay at least a small fee that covers the costs of examining and processing your trademark application. There is no way to get a federal trademark for free.