"I am telling her next week via text that I need a break. I am trying not to hurt her feelings by telling her what has been happening, perhaps she already knows and thinks I will just carry on with her forever like this but we are in a recession and I feel as though I am throwing money away and not growing or developing with her."

If you can't tell her what's going on and just sending her a text message... that seems like an issue in itself, to have been seeing her so long but not be willing to be honest about where you are with the relationship? Wouldn't you think it was anti-therapeutic, given your training in psychology, to have the mindset that clients should try to protect their therapists?