Choosing a title

I don't know about you guys, but I HAVE to have a title before I start writing. I've done it with every single one of my books. If I don't have a title, the book doesn't feel real to me. Or something like that. I can't explain it. lol This has happened with all 7 of my books.

Until now.

I can't for the life of my think of a good title for my current project. It's a YA thriller/contemporary with ghosts. How's that for a mouthful?  I don't really want to shop it as a paranormal, since agents look at those lately and just move on to the next query. :P  Anyway, I have no idea what to call it. And I'm about 20,000 words in. This has never happened people!

How do you guys pick a title? Do you have to have a working title as you write? Or can you finish a whole book without having one?

Also, check out this teaser from Not Your Average Fairy Tale over at Stuck in Books today. :)

And a fabulous review at Book Briefs!