I have my doctor for my drugs, and my therapist for counselling. with my therapist it does not matter if I am bipolar or not, cos it's about how I think not about when my brain goes out of control.

Being diagnosed with BP (albiet 7 years late!) was great coz I got more effective drugs that help my brain work better.

I guess what I'm trying to say is that a doctor (preferably Psychiatrist) is the best person to talk to about BP coz they can work with you on your meds. As far as your therapy is concerned, try to deal with the things that you can change regardless of what labels you have been given or not given.

With the money thing, regardless of if you are diagnosed witih bipolar, you can do what many people with bipolar do and have their access to money (esp credit cards) restricted by their friends and familly, either all the time or just when they are at risk. Also onlyme's suggestion of keeping out of stores when you want to spend money is a really good idea. Developing stratagies like this or how to deal with your moods and your kids are what your therapist should be able to help you with - regardless or any stupid labels. If not then maybe its worth finding one that can help you.

Best of luck