"And when even was come, the ship was in the midst of the sea, and He alone on the land. And He saw them toiling in rowing; for the wind was contrary unto them: and about the fourth watch of the night He cometh unto them, walking upon the sea, and would have passed by them. But when they saw Him walking upon the sea, they supposed it had been a spirit, and cried out: For they all saw him, and were troubled. And immediately he talked with them, and saith unto them, Be of good cheer: it is I; be not afraid." Mark 6:47-50
I wish we could see Jesus every time he is walking on water; every time He is standing right in front of us and saying, "Be of good cheer, it is I." Did you notice that Jesus saw them toiling? Jesus sees you struggling and toiling against the winds and water of your life. He" would have passed by them." What kind of Saviour would just pass by when your bills aren't paid and a love one dies, and someone lies about you and your heart has just been broken? The kind that answers your call.
Jesus isn't testing you by allowing you to wallow in the despairs of life. Jesus didn't bring on your troubles to see what you're made of. You know that most of your troubles are self induced, either through sin, indiscretion or ignorance. But when you've had enough and the winds of life are blowing real hard and you have tried to bail out your own boat, lift your eyes upon heaven and call out to Jesus. He will speak to your situation just like he spoke to the winds and the waves.
Did you notice that before he stopped the wind and the waves and before the boat was emptied of the water that was about to sink it, and while they were trembling with fear, He said, "Be of good cheer, it is I." I can tell you from experience you won't even see Jesus passing by, to call unto Him, if you don't have your faith eyes turned on.
Use your faith. Muster up a real prayer. Call out to Jesus. Don't look around to see if anyone is watching. If you have to do that, your boat isn't really sinking, you're just uncomfortable.