CBT saved my life and made it so much better. How do you know you can't afford a therapist. Do you have insurance? Online counseling can be fabulous. Some of the CBT techniques are also in books
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I'd try to get some more resources before you rule it out completely
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As for what the therapy is like, my therapist challenged the way I thought. She made me ask questions and take baby steps and build confidence...it was the BEST thing I ever did. I would be such a walking wounded person if I hadn't done it.