I pay $125-$180 per session, depending on the length, and all is out-of-pocket. I have sessions every 2-4 weeks and can vary the interval to help save money. Right now I am in the middle of a 4 wk interval and am appreciating having the extra money in my pocketbook. Usually, I deduct from savings to pay, as my salary doesn't cover all my living expenses and daughter's college tuition. I try to find ways to cut back on expenses, such as stopping newspaper delivery, letting magazine subscriptions lapse, stopping Netflix, downgrading my CostCo membership, not going to the doctor, etc. I also stopped taking one of my more expensive medications, and this helped with the cash flow too. Every little bit helps! I haven't done this for therapy, but in the past, when I needed extra cash, I would do focus groups at a market research firm. Another thing I used to do was buy popular concert tickets and then resell them on eBay at a profit.