AWWWW, Jannie! It isn't all that bad, Hun! Worse things could be happening, but I know the feeling. Some days are like that, only MY mom never told me about them. Did yours?
The only major problem I see is not being able to see your Dr right now... but are you sure he'll continue to see you after you file the bankruptcy??
You could still go to the ER for you knee, though. It's just up to you how bad it is. If it's swollen, I wouldn't wait. If you hurt your knee yesterday (night before?) you could try putting a heating pad on it. You'd have to do ice if it's been less time or if it had just happened. It being winter (unless you're in Fla) I would rather use a heating pad!

There's always OTC pain killers, too, eh?
Hope your day has gone better than this morning. Just think! Tomorrow will be a brand new day! In the meantime, just

"beem me up, Scotty!" LOL
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Psalm 119:105 Thy word is a lamp unto my feet, and a light unto my path.