What help do y'all have for those who don't have the finances at all

I commend you on taking the step to inquire about options for help-seeking. I see that there is a desire to have a level of support. I also understand the concern about cost and the potential barrier that it could present. It could be helpful to determine what levels of support are available to you and align with needs. It would also be a consideration of what things you want to address through therapy. Having a level of support would allow you to develop skills you would progress towards sustaining once therapeutic goals are reached. The length of time that you engage in therapy will depend on these goals and the time that you would be willing to spend working towards them.

How are the concerns that you have interfering with any area of functionality for you? What things would be different for you if you were in a position to address them with the support of a therapist? How important would it be to make these changes?

Additionally, are there current expenses that could be re-prioritized to support working with a therapist? Depending on the goals that you set, you can work with the therapist to determine the level of support that aligns with your needs and what works for you financially. This could help you with making decisions about how therapy and supplemental resources could be accessed to aid in changes that you have a desire to make. This is not a process that you have to approach by yourself. 

As you reflect on the questions above would you be open to setting aside time to gather information about what is available to you, including associated cost? If so, when you identify things that would be different if you were able to address your concerns you may compare that to what things would look like if you didn't seek therapeutic support. If working independently in the past has helped you with making changes, could it be an additional consideration that working with a therapist extends the success of what works for you. Furthermore, it could be an opportunity to learn additional skills as you feel empowered to make lasting changes.