Sdaea,
can't help much on the implantation bldg.
However, some of the other stuff I can. I also had no insurance beg. Of my first preg. And wanted to see for sure if I was. You can go to a non-profit org. That helps people that are preg. They test for free. Usually in phone book, or call up a local clinic or hosp. And ask for a ph. Number. I also am currently on a medicare type of insurance for reproductive health only. This covers paps and reprod. Problems and preg. Tests. If you are, then when you have paper proof you are preg. You can get on medicare most places. (and wic if you have that out there.)
an obvious way to lower stress is to find out for sure one way or another. Heck, even planning the appt. For a test will help a little.
What calms you down? A bath? Soft music? A lil chocolate? Talking to a friend? We are here if ya need that...
By the way, brownish discharge in preg. Is not usually a worrisome thing, ok?
Please let us know!
m~r