Answer these questions
Does your life seem like it's getting out of control?
Have you experienced 5 symptoms of depression for the last 2 weeks?
Can you go out fo the house and be around people?

If you said yes to any of them, then getting help is a good idea. Your general practitionar can see if there is a physical reason, or send you to a specialst (pdoc).

If you think you just need to talk to a professional, then find one. Don't wait, just find someone... that's in your budget.

If you still don't know, then talk to someone through chat. (I'd be willing to)