No problem, Lori. Tell your counselor that you'd like him or her to be "directive". That means that you want them to help guide you.
Many times, people come to counseling because they're confused and need help figuring out what they want. Counselors are really good at helping people untangle their thoughts so things become more clear and they understand themselves better.
The thing about giving people advice is that if it doesn't work out, then it's the counselors fault. If it does work out, then people may become dependent on the counselor. When people make decisions for themselves, then they become more self-confident, independent and get better at problem solving in general.
(I also understand about not wanting to spend $ even if you have it. Some things are worth it, though.) I wish you well on your journey! Please keep us posted on how you're doing.