Thanks for the help its looking much clearer now.
Does electrum have a transaction fee that I have to include?
Is the fee 0.2?
Does that mean if I needed to send 0.009 -
I would have to send 0.0092 to cover the fee?
It depends on you. You can choose 1 sat per byte and more as well. If you want a faster transaction, you can use more fee. Check this site to get an idea-
https://bitcoinfees.infoRight now, 2 satoshi per byte will give you a faster confirmation, within next 2-3 hours, you will get confirmed.