no problem!
I personally think that's my weakest point D: I still sometimes struggle to come up with a color palette
I'd usually pick them up randomly and hope that it looks somewhat appealing
I try to keep each color on a different layer, just in case I need to make some adjustments or change the overall palette
but I do use layer modes a lot (eg. Exclude, Difference, Overlay) to make minor adjustments or come up with a complete different palette!