It's possible that this could be stress-related. If you can't afford to see a doctor, then I think the first thing I would do is to try to find a why to lower your stress level. (Believe me, I understand what it's like to not be able to afford medical treatment, you just have to wait until something catastrophic happens and then deal with it then.)

If you can, work a few less hours, take more walks and enjoy life more.

A quick question, when you have those times when you forget things, do you go through a personality change as well? Like, do people say you start acting different and you have no recollection of it? I do, but I don't have schizophrenia so it might be something altogether different.