@Unknown82 I know what you mean. I live in a country with socialised healthcare, but there is still a co-payment and my time. I hate going in there only to be told… well, it’s nothing or it should go away, but if it gets worse, come back…grrrrr.
If you want to put it off and feel it’s ok to put it off, really, I’d try over the counter hydrocortisone cream. Like what @Seelix said.
Now, if you are pregnant or trying to get pregnant, don’t use ANY chemical without asking a registered pharmacist or your doctor.
Here’s a brief online guide about meds and pregnancy:
http://women.webmd.com/pharmacist-drugs-medication-9/pregnancy-medicine
These are listed as safe for a rash if you’re pregnant:
Hydrocortisone cream or ointment
Caladryl lotion or cream
Benadryl cream
Oatmeal bath (Aveeno)
Have you changed your diet or are you using a new soap? Topical eczema can be worsened by the strangest things. Did you get a gift of soap for Christmas? Is it highly scented? Have you been eating more sugary foods lately?
My only real worry is if it’s parasitic, bacterial or fungal, in which case, it’s not going to go away on its own.