To check thermostat start the car from stone cold and feel the top and bottom radiator pipes. If they warm up at the same time the thermostat is stuck open, if the top pipe gets really hot and the bottom one is still cold, then when the temp gets to about 84ish degrees and the bottom starts to warm up, then it's fine.
Another common thermostat sign is when driving the temp will be 70ish, and when stationary for a while it will rise to 90 (where it should be).
Couple of quid from GSF or the likes and shouldn't take more than 20 or so minutes to change. Remember the cooling system will drain completly so you'll need new antifreeze.