If you cannot afford it, then stop texting. Not sure how much additional cost you are paying, but Perhaps an additional session each month or something instead of the texts. Or, journal what is on your mind and share important parts if needed in session. While some here text regularly with their therapists, I guess more either never text at all or only text occasionally about scheduling, etc. Sounds a bit like this is more like additional therapy via text which may be why you are charged.