Ways to Make Space in Your Finances for Therapy
Prioritising your mental health can feel daunting. Between long waiting lists and therapy costs, the process of getting help can seem like a mountain to climb.
Waiting times for free services in the UK are growing rapidly—and as someone working in both private practice and a charity setting, I see first-hand how overwhelming the demand has become. But just because the lists are long doesn’t mean you are any less of a priority.
Sometimes, finding the right therapist means stepping outside of overstretched services and personally seeking someone who feels like the right fit. That can come with costs—and let’s be honest, that part can feel tough. But there are options. Therapists are human too; many understand the financial challenges and may be more flexible than you think.
If you’re exploring how to make therapy more financially accessible, here are a few starting points:
1. Review Your Spending
Take a good look at your monthly outgoings. Are there non-essential expenses that you could temporarily shift to make room for therapy?
For example:
A daily £3.90 coffee, five times a week = £19.50/week or over £75/month.
Multiple streaming services? Consider trimming down to one.
Some banking apps show spending insights—you might spot patterns in purchases you didn’t even realise were adding up.
This isn’t about depriving yourself, but rather choosing to prioritise your wellbeing in the short term for long-term gain.
2. Look for Concessionary Rates
Many therapists offer reduced fees for those on lower incomes. Find a qualified, regulated therapist on platforms like:
…you can filter your search to find therapists offering sliding-scale pricing.
It’s also okay to start a conversation with a therapist about affordability. It might feel uncomfortable at first, but many practitioners are open to discussing flexible options.
3. Explore Employee Benefits
If you’re employed, check whether your company offers an Employee Assistance Programme (EAP). These often include access to free, short-term counselling—typically 4–6 sessions—to help you get started.
4. Check Your Health Insurance
If you have private health insurance (either personally or through work), see if it includes mental health coverage. You may be able to access a set number of sessions through your policy.
5. Ask Trusted Family for Support
Sometimes, family members are willing and able to help when you need it most. If you feel comfortable, having an honest conversation with someone you trust could open the door to temporary financial support for your mental health journey.
6. Look into Government Support
If you live with a condition that affects your daily life, you may be eligible for Personal Independence Payment (PIP). Some clients have successfully used PIP to fund regular therapy sessions that have made a meaningful difference.
Taking steps to prioritise your mental health isn’t always easy—but it’s worth it. Even small shifts in how you manage your finances can create space for something truly life-changing. It’s not just about affording therapy - it’s about giving yourself the chance to heal, grow, and move forward.
