Incomplete Miscarriage

I found out I was pregnant about a week before we left for Georgia. I decided not to tell Neil until we got back because I didn't want him worrying about me his collar bone and all. The weird thing was that I only got nauseated once. I was not overly tired or anything and thought to myself this is going to be the best pregnancy ever. A week into our trip I began to bleed so I knew I was most likely miscarrying. I bled for 12 days but never passed anything so when I got back to Utah I called my doctor's office and of course he was out of town so I saw someone new. He did an ultrasound and the fetus looked 4-5 weeks but I should have been 7 weeks and there was no heartbeat. The doctor said he couldn't tell if I was miscarrying or not so sent me to get some blood work. A couple of days later he called to say he didn't think I was miscarrying because my hcg levels stayed the same but rather I migh8t have an ectopic pregnancy which was confusing because in the ultrasound the fetus was definitely in the uterus. Anyway my doctor was back and I went in to see him and at the ultrasound there was the fetus measuring 6 weeks when I should have been 8 and still no heartbeat so he told me I had an incomplete miscarriage and that I could have a D&C or wait and let it pass naturally. I decided to wait it out and it's been 3 1/2 weeks since the initial bleeding and still nothing. My body still thinks I'm pregnant so I've been extremely tired and emotional. I'm okay with everything. I've miscarried before and understand that there's usually something wrong with fetus and that's why it stops developing but this waiting is just hard. In the beginning I read a lot of stories online about misdiagnosed miscarriages and it gave me a lot of hope that everything would be okay but it made me crazy wondering if I was pregnant or not and so I stopped researching. I'm giving it until the end of the month and then I may have a D&C. We've just had a lot of unexpected expenses lately.