When to move on from therapy, without using therapy?

I've been in therapy for years, I used to have a psychotherapist who prescribed medication, and she started to want to charge me way too much just because I said I got my finances in order, I still don't have a good amount of income. So I am seeing a new psychiatrist who took me off extra medication the last shrink had me on for years. She said I'm not perfect but the other medication won't make a difference and there is no point in putting extra stuff in my body or paying for it. I agree and have been doing good. I've been using a texting therapy app for the past few months when again my therapist I got through my insurance covid benefits said I don't need therapy. I've been doing good with the app which is really more of a life coach and therapy app. And then I've dealt with some stressful things and feel more of a disconnect and lack of response. I still wanted to continue though to feel like I was getting my thoughts down with the therapist. Then the app tried to charge me 4 days early when it's usually 2 and already a bit awkward. I'm starting to think I don't need therapy as I don't want to be a needy person. I might join a once a month long group that's affordable as I miss group that also got cut off from my insurance. I also want to go to Food Addicts Anonymous to control my eating as it the most emotional thing I over do. How do I approach stopping therapy without needing a therapist to do it.