There are many things we can do to improve our situation until we can start going to therapy.

As Catholics, we know the most important thing we can focus on is the state of our own soul. So strive to remain in a state of grace and go to confession a couple times a month.
Reading is a great way to start personal work. One I highly recommend is “Self Knowledge and Self-Discipline” by Fr. Basil Maturin.
Never underestimate the mental health benefits provided by friendship and service. In fact, one of the leading causes of illness is loneliness. Spending time with friends and serving others will make a big difference.

There are other resources that can also be helpful. Betterhelp.com, can be an affordable introduction to therapeutic process. There are also resources through the Catholic Psych Institute and Souls and Hearts IFS.

The most important thing you can do is commit to personal development, growth, and change. The willingness and mindset to do so, is the most powerful factor no matter what level of care you engage at.

All that being said, therapy may be more affordable than you realize. Make sure to check if your insurance covers some level of therapy. If they don’t offer their own in-house version of counseling, they may have a network of providers, or even cover a percentage of out-of-network providers (often the case when wanting to see Catholic therapist).