Don't have the money, don't know what to do?

My co-pay for the doctor is $25 and I don't really want to give them my money just to have them say, "You're hormonal, this too shall pass."

The story goes, about two weeks ago, going on three, i was really concerned that I might be pregnant, I mean I was two weeks late for my period. (which i now blame it on stress). THE DAY i went to the doctors to find out why my heart was fluttering so much and to take a pregnancy test, (i figured i could kill two birds with one stone) was the same day in which my period started and the doc said the test was negative.

So here I am, two weeks, going on three, and I am still bleeding!

Its light, spotty. I actually thought it was stopping after day 10, but then it started up again and the colors have varied. From red to brown and back again. I haven't had regular premenstral cramping, it has been sharp pains more to one side or the other of my pelvis, but not the muscle cramps associated with a period.

I just don't want to overreact and pay money to see the doc if its nothing.

Has anyone ever experienced this? And what do you think I should do?