only therapy from parents

I was wondering if anyone has just done therapy by yourselves with no professional therapists?.. We were involved with our state program but we are no longer with them. Our insurance only covers about 15 visits/yr but we have to pay a portion of that each time we go..unfortunately we are not in a financial position to do that at this time. I know it is important but is this going to be a huge mistake? she will be 3 in July..

Any input would be appreciated..

thank you