I don't know how you are paying; whether you are just using your savings or some of your salary and some of you savings. I would try to adjust my budget.

For myself, I found that I generally got what I wanted, some way, no matter what my salary. I use to buy a great many books, they were my thing, and if I was not working and wanted something else (a computer :-) I would not buy books so I could pay for the computer. My friend who is unemployed at the moment, doesn't turn on his air conditioner, for example (so is at our house more often these days :-)

Can you get a loan of any sort, borrow on a credit card or something? I pretty much treated therapy as if it were "education"/college courses. I paid for mine out-of-pocket too, for many of the reasons you give for paying for yours (I too had insurance). I figured out approximately how much I was spending a year ($4,000) and then compared that to my college courses I was taking for my second degree, which were about $1,000 each including books/materials? I took 3-4 college courses a year and would charge those expenses each semester on my credit card and pay over time. Can you do something like that for your therapy; treat it like an expense and get a cash advance of X every six months to pay?