Finances are a big hurdle when people plan to seek therapy. You can contact Vandrevala helpline if you're seeking free consultation for just one or two sessions. But seeking consultation once is not going to help you solve your problems. You'll have to search for long term solutions which can only be resolved with the help of a therapist.
Alternatively you can search for government institutes in your area with the department of psychiatry/ clinical psychology. You may get help there for free or at a very minimal cost from trainees.
Setting a budget aside for therapy when you're facing problems should be seen as an investment and not as a cost.
Next Steps
Consult for assessment and intervention for anxiety and depression.
Health Tips
Learn about mindfulness and take out some time for yourself in your daily routine. These exercises are not a replacement for therapy but may give therapeutic effect.