I am switching to a different therapist who I feel can help me more with not only my BPD but she is also going to be our couples therapist to help work on our marriage. She made an excellent point that there are currently "three people" in our relationship: my SO, myself and my BPD. She wants to work on helping me realize what emotions &amp; thoughts are the BPD and how I actually feel about situations without all the paranoia, suspiciousness, etc. in the picture.

My original therapist has explained to me before she doesn't want too many "cooks in the kitchen" so to speak. Honestly I don't think she is helping as much as thought she would, its been almost a year and my self-harm has gotten worse, my emotions have gotten more erratic, it just doesn't seem to be working out. Plus I really can't afford paying everyone. It's so expensive and my insurance is weird with a $5000 deductible to get through before it's just free. 

How do I tell her I'm not coming to see her anymore? I hate making people feel bad, it makes me feel like a terrible person. Has anyone done this before? What is the procedure? Do I mention it right away or at the end of the session? I'm getting really anxious and my appt is in about 3 hours.