I'm not sure what your relationship is like with your T, but could you keep your appt and pay it off over the next couple weeks, so you aren't left in limbo? I had to do that once - my mortgage bounced that week (oops) and I had no money to pay T. I sent him an email before the appt and just said "here's the situation" and he said to pay when I can. Unplanned absences from therapy can be difficult and if you didn't cope well last time you might not this time either.