Hey Candlegirl - I thought of something else...
A dr. gave me this bit of advice. Since my PT appointments were coming out of pocket, he advised me to ask the physical therapist to make copies of the exercises they were giving me to do in case I couldn't remember them when I got home (they keep binders with illustrations of exercises for different problems, different areas of the body). The dr. also told me not to tell the PT that was in order to save some money as my or your repeated trips to the clinic are they're bread & butter - but we can only do so much with the moola we have - and those trips add up fast.