Hi Michael
I'm no mole expert but I've had a malignant melanoma & what you've got doesn't sound much like one of those. I'd say keep an eye on it & see if it changes. An Aussie once gave me a good tip of covering your mole with a piece of see-thru plastic & draw the shape of the mole/blemish on the plastic. After that, all you have to do is put the plastic over the mole & instantly you know if it has grown.
If it changes in any way - colour, size, shape, starts to itch, flake, bleed etc. see a doc but if you can't afford a doc just now then just keep an eye on it.
Sorry I can't advise on costs of seeing a dermatologist. I'm in the UK.
Best wishes.
Lidia