You can access some excellent counselling in other forms though, through books and online resources. Downloadable hypnosis tapes, youtube videos etc. If you join a library they will order in specific books if they don't already have them.
Face to face counselling is brilliant but if it's not available to you then it doesn't have to be that or nothing. Put loads of effort into seeking out the right kind of self-help resources. I emphasis the 'right' kind because you will have to be a bit intelligent and a bit discerning about how you sort out what/who is worth listening to and what/who isn't, but it's all out there, if you look.
Look carefully at Amazon reviews of books, ask on here if people (especially MH and counselling professionals) can recommend books or free resources.
For example websites like this one: https://therapyinanutshell.com/internal-locus-of-control/
Make it a priority to get the best from those free resources. Buy yourself a journal (or ten journals, just cheap notebooks will do) and write down all the stuff that's been scrambled in your head your whole life long. All your demons. Your fears and insecurities. Dump it all. It doesn't matter if you fill ten books. It doesn't matter if you never read it back. It's cathartic to just get it all out there. The more you write down, the more the answers will reveal themselves to you.
The thing about counselling, is all they do is ask you questions that force you to look deep into yourself, really. And plant a few suggestions into your mind for different ways of looking at things that might be less destructive or less self-defeating. All the hard work comes from you.
Write about the things that hold you back, the times accepted shoddy behaviour from others because you didn't value yourself enough to demand better from them. Or the times you've let yourself down by having poor self control, no motivation, destructive patterns of behaviour and thinking, or poor judgement, self sabotaging behaviour etc.
Bit by bit, as you work on yourself using the books and resources, you can start to write not about the past, but about the future and how you now understand youself better. What has happened to you in the past to cause you to think and feel the way you do, and how you can come to terms with it, take control of it and turn it around. Plan how you are going to mentally tackle certain situations from now on. Learning to understand what is, and isn't in your 'locus of control' is a massive breakthrough. It'll be a long process of baby steps but it can't happen if you don't start.
Prioritise all this as if it were a new job you'd be given, and really wanted to do well at. Make time for it and do it to the best of your ability, because nothing else will fix itself until that is fixed. I can't promise it's going to evaporate money worries, or make everything in your life suddenly wonderful, but it's a start in the right direction.
Even if nothing changes about your day to day situation with money, or housing, or problems with the kids or whatever, it could for example, stop you in your tracks next time you are tempted to get into a relationship with a man who you know in your heart of hearts is not going to be a positive addition to your life. Teach yourself not to ignore all the signs of a wrong'un. Recognise old patterns of behaviour and take action to avoid them. That alone (if it applies to you and your life) will be very empowering.
The old adage 'if you keep on doing what you keep on going, you'll keep on getting what you keep on getting' is very true.