Thanks Withit,

I know that I should speak to him but I know that it won't be this week for sure as I am pretty angry at him and will need to deal with that first. I do think that at the end of the session tomorrow I will tell him that I need to talk to him next Monday about it thought so that way I can't get out of it. I do that often tell him about what I need to talk about or send him an email (which he likes me to do) and tell him what I want to discuss so that I don't back out when I see him.

Anyway, bottom line, I am still freaked out about talking to him and admitting that financially I can't do it. I don't want to admit that I am in financial ruins to him and the reasons why but I know that I have come a crossroads and need to say something. I know that he will probably be understanding but to me it is just embarrassing to admit.

Thanks again Withit and I will let you know when I talk to him.