Thank you for your reply.
Apparently I was getting a cold that settled in my chest. All my other colds started in my head before moving to my chest. So at least now I know why my chest hurt!
I have bought myself a workbook called Cognitive Behavioral Therapy for Dummies. I am slowly working my way through the book. I am photo coping the worksheets and putting them in a 3 ring binder so that I can go back and do them again and again. I have skipped a few of the worksheets, but I refuse to let myself read a new chapter until I go back and do the worksheets. I choose to do it when my husband is not around because I don't want/need him asking me what is wrong if I start crying. (He is currently unemployed, but will start his new job the last week of this month). So, unfortunately, its a slow going.
I figure if I go back to therapy after we get insurance back, I can take my notebook with me and show them how far I have worked.