pebbles - what a shame you weren't given a sequential HRT. I suspect the conti HRT is causing the heavy bleeding( it often happens even if one is very post menopause) but if you are peri meno then bleeding is more likely. Using progesterone all the time is also not easy to cope with for many women.
If anxiety and low mood are your only meno symptom and these have only happened since the menopause started (so you didn't used to suffer with anxiety and low mood before), then at this stage I would stop the HRT and let things settle - you can do without the erratic bleeding for a start, as this just adds to your problems.
It seems to me as though you need help to cope with all the stress going on - I know how overwhelming things can get and frankly one has to just draw a line, ask for help and if the help isn't forthcoming then just say NO to anything you find too much and isn't essential. So many women are used to looking after everyone else, taking the strain and if you have to work as well, then 'something has to give'.
It's not easy but paring down your life and only doing what is absolutely necessary can be a very good thing - don't jump to help others - put yourself first.
Do you have a friend you can talk to? Could she go to see the doctor with you? Does your husband support you well and LISTEN? If you do see the doctor again, write everything down and take print outs from this site so you get what you want.
Have you tried Mindfulness or relaxation techniques?
HRT doesn't fix everything and whilst it can help with anxiety and low mood, HRT is just part of a range of strategies that will take you forward.
Do try reading the book my GP recommended as I found it very helpful:
Mindfulness: A practical guide to finding peace in a frantic world
by Mark Williams and Dr Danny Penman
DG x