I feel lost and I don't know what to do. I am sorry if I am repeating myself, I may have asked all this before in one way or another, also for the length of this post.

My insurance only covers enough for 12 sessions a year, and up until this year it was 6 sessions. For the last two years I have been paying mostly out of pocket to see my therapist every two weeks, plus a $1200 psychological assessment.

My wife and I had been looking to buy a house for a few years and had trouble saving for the down payment due to my therapy expenses. Earlier this year the perfect house for us came on the market within walking distance of our son's school, and at a great price for the neighbourhood. We jumped on it right away, but I had to put a lot of money on my line of credit to cover the down payment. Last summer my wife got pregnant and we had a baby girl at the end of may.

Despite having a decent paying job, money is now tight. We don't lead an extravagant lifestyle. We don't drink, smoke, whatever. But we now have additional expenses due to the house and the baby that have eat into our budget. I can no longer afford to pay for extra therapy sessions. The problem is I want them. I have great difficulty sharing things with my wife, though that has been getting better. I don't have any friends to support me, but I don't have the energy and ability to maintain additional friendships either. I appreciate having someone else to help me with my problems. I've only seen my therapist twice in the past 4 months to transition to seeing her once a month in September. I miss her quite a bit and am feeling overwhelmed with my life right now.

There is a community mental health clinic which I could see for free. When I was younger I was a client of the children's version of it. I was less stable then, but I always felt guilty that I was wasting their time on me rather than someone more deserving. I am seeing my psychiatrist next week and will ask her what I should do. I am thinking of asking her if she could refer me there but I keep thinking it is the wrong option.

Pros:
- I have no other way to have all my needs met.
- I need to talk about things with my therapist that would be very difficult seeing her once a month about, at the same time as dealing with the rest of my life.
- Less worrying about money.

Cons:
- I do not want to take away space from someone with greater needs.
- I am relatively stable, no great urgency to deal with things.
- I could survive without it.
- It's probably all icky evidence based CBT.
- GUILT, GUILT, GUILT!
- Possible loss of current therapist.
- Not sure if it is only for short periods of time. I want a therapist long term.

I am wondering if anyone has any thoughts, opinions, or additional ideas. I also am wondering if I am being greedy, please answer truthfully.