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Talk about it

"We're social beings and we respond to social connections very well," says Simon Rego, PsyD, director of psychology training at Montefiore Medical Center in the Bronx, N.Y.

Instead of feeling embarrassed or guilty when you're having money trouble, he says, "it's actually time to turn to those loved ones for support. You're going to hear from them that they're in the same boat, or a similar boat."

Next: Get mortgage counseling