David is definitely right, persist with the minoxidil which should stabiise the hair loss and also use a hair loss shampoo such as profusion or nisim. Don't be scared of finasteride, just be aware that it isn't for everyone and if you get the side effects then stop using it, but I have known people take it for years with either no side effects or minor side effects. Finasteride does have the propensity to make your hair grow again, but be quick before the roots stop being viable.