PerkyAcups, I understand your concern. About 14 years ago I occasionally had blood in my urine, but I chose to attribute it to prostatitis and did not see a urologist. Four years later the blood became too ffequrnt and too copious to ignore. I got a ct-scan and it showed a tumor in my bladder, confirmed a few weeks later by a cystoscopy, followed by surgery, an outpatient procedure. Although it had been growing for four years it had not reached the muscle, where it could metastasize, so I was cured, and no follow-up treatment was required, except for regular cystoscopies. 
I have also had major kidney stones, which I just had removed by laser lithotripsy, also an outpatient procedure. And, yes, these can also cause blood in the urine. A ct- scan should provide clarity.

I wish you a good outcome!