Hi,

My checking account is overdrawn and I have an appointment in the afternoon with tdoc on Monday, March 5 at which time I would usually give her a check.
I get paid Friday, March 9. Insurance does not cover therapy with her.


I need to call and leave a message that I need to cancel on Monday. She hates last minute cancelations. On the other hand, I feel uncomfortable asking her to let me send her a check for a week later. I definitely cannot ask if I can give her a check that is post dated Friday, March 9. Asking that makes me uncomfortable.

I have been seeing her about once a month or two since 2005.

Hubby and I keep very separate checking accounts -- it is rather complicated to explain and complicated enough for me to follow.
There is absolutely no way I can tell hubby that I am overdrawn.

What should I tell tdoc when I call and leave a message with office machine on Sunday? I figure that I have to call her by 1:00 pm Sunday.

Mari