"They'll think less of me"
Some worries are about things you did. The mistake in the spreadsheet. The debt that was your doing. The row that started the quiet in the marriage. For those, the burden belief has a second belief riding on it, which is that telling would show you as someone who makes mistakes, and the person told would see you differently afterwards.
Anna Bruk, Sabine Scholl and Herbert Bless, in 2018, studied this directly, across seven studies, and gave the finding a name, the beautiful mess effect. When people imagined themselves showing vulnerability, confessing feelings, admitting a mistake, asking for help, revealing something about their body, they judged it negatively. Weak, inadequate, exposing. When they judged the same act by another person, they judged it positively. Courageous, honest, admirable. The same confession, viewed from inside, was a mess, and viewed from outside, was something they respected. The researchers traced the gap to how concretely people picture their own situation compared with someone else's. From inside, you see every detail of the exposure. From outside, you see the act. One of the studies found the effect in a real situation, not just an imagined one.
Take the spreadsheet. From inside, telling a colleague about the mistake is a picture of your face as you say it, of what they'll think of your competence, of the word "careless". From outside, which is where the colleague stands, a person saying "I've made a mistake and I'd like your help sorting it before it goes further" is a person behaving well. That's how you'd see it if they said it to you. You'd think more of them, not less, because owning a thing early is what competent people do and what careless people don't.
The belief that they'll think less of you is the view from inside the mess. Bruk's studies say that view is systematically harsher than the view from anywhere else. If you want to know what your friend will think when you tell them about the debt, don't consult your picture of yourself saying it. Consult your picture of them saying it to you. That's the accurate one.