I agree, paycheck to paycheck does suck . Tell the office about the problems with peeing - that should just about guarantee an early appointment, especially if you already have a relationship with the practice. With my guy, I took him to an e-vet - in our case, we were lucky, as he was able to pee, it just hurt a lot. Doctor felt his bladder (it was empty), gave him a pain shot and a course of an antibiotic. I was out of there at around $150 (an e-vet visit usually starts around $100 - I feel that we're paying for 24 hour availability, a fully staffed office, ready for surgery, if need be, all that). E-vet faxed over treatment to my regular vet and told me to call regular vet the next day (of course this was all happening on Labor Day!). I was to watch him closely and bring him in for an exam after we went through the antibiotics - unless he had issues.
Ok, so a week later went to regular vet - exam was about what you're said, and they also did a urine draw (it involves a big needle, I never watch). Also, my practice is actually an animal hospital - they have an ultrasound machine and were also able to scan his bladder. That whole deal was maybe $75. Our case - Hills prescription food C/D was prescribed and I brought him in a month later for another urine draw - that was about $20 for draw and testing. The Hills food is very rich - my guy is over 12 pounds and he gets 1/2 cup of dry, and a bit of wet every day - the initial cost for a 7 pound bag is, oh, around $25, but it lasts us a pretty long time.
Now, I was lucky and we caught it fairly early. Had Dante been blocked, he might have had to be catherized, or perhaps surgical intervention would have been required. The e-vet's office said that would probably have been in the $700-900 range, about two years ago. Yes, that would have hurt my budget big time at that moment - but it would have been the surgery or sending him to the Bridge.
Has your guy been able to pee? I hate to scare you, but if nothing is coming out, you may really have to contact an emergency vet.
Thank you for trying to get him in asap - even if it's just a UTI and not a blockage - oh, those hurt. When I had a UTI I was just about in tears and left work to see my own doctor.