xRavenx, congratulations on your upcoming home ownership! That is exciting, though I understand how it has its bit of stress, as well. When you move in your furniture and other stuff, I hope you take a moment to look around and say "My home! All mine!" That is a special moment.

That's bad luck that your psychiatrist is no longer covered under your insurance. Do you think your psychiatrist may offer you a slightly lower rate now? If you aren't comfortable asking for one, I'd at least let him know that you are continuing with him, despite the insurance coverage, because you value him a lot. Maybe just that might trigger a reduction offer. If not, then you can make it work.