The photo radar ticket carries no demerits as they can't prove you were the driver - the fine is simply levied against the registered owner of the car. The one you were pulled over on would be, iirc, 3 points that will be applied when you pay the ticket (i.e.: plead guilty).
As to the other questions, just pay the fines and move on. If you can't afford the speeding fines, don't speed so much. /obligatory
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