Just the other day, one of life’s lovely ironies came and sat in my lap. Want to know what it was?

I came down with a pretty decent case of what I like to affectionately call the “financial grungies.” Pretty ironic given that I teach money management and proactive finances for a living, right?

So what are the “financial grungies” exactly? For me this time, it felt like not wanting to honestly take a look at something related to my finances (more about that below), a knot in my stomach, a racing mind, and my blood felt like it was coursing through my veins at an extra-quick pace. Oh, and all of that was wrapped up in a nice big bow of FEAR and SCARCITY. Yuck, yuck, yuck. It was so clear that financial fear had come to pay me an unwelcome visit.

Yup, the teacher and healer got to use her own tools to heal herself. Gotta love it.
And here’s what I reminded myself of when I got to diagnosing the situation at hand and whipping out my financial toolbox:

• BREATHE! This may be the most important suggestion I’ll make in this entire article. Living in the knot-in-your-stomach-blood-coursing sense of panic won’t ever serve you, since it’s highly unlikely that you’ll be able to think or operate from a clear space. So this is exactly what I did when I felt the fear kick in – I stopped what I was doing (or should I say what I was pretending to try to do….and I was doing it very ineffectively I might add), and I moved to the nearest chair and started to breathe deeply, in and out. The sense of panic and fear within me slowly died down after a few minutes.
• Raise your vibration – Breathing normally is only really the starting point and it’s intended to try to restore you back to an equilibrium point (and out of the “grungies”). Once you’re feeling somewhat stable, you’ll want to do something to jump start your energy again – think of it like a car battery where you want to give yourself an electric charge. Depending on what gets you going, you’ll have a different way of raising your energy. Some people dance or exercise, yet for me I find it soothing to listen to a guided meditation that’s specifically wired to reset my brain waves. When I did this the other day, on the other side of 15 minutes I was already feeling much better and was ready to take on the next step. This step is important and the intention is to put you in a positive frame of mind before you move forward to see what’s at the root of the financial fear you’re feeling.
• Get clear on what gets to be handled – I’ve said for years that financial clarity leads to choice, which leads to the ability to contribute in a bigger way, which results in a higher sense of connectedness. Without clarity, you’re often left feeling disconnected (from yourself and from others) which only enhances the sense of fear in the current situation. For me, I knew that over the last few months I had been investing quite a bit of money into my business and myself (as the business owner). After breathing and meditating, I got clear that the task ahead of me was to update my list of business investments. I knew that the investments I made were wise ones (and ones I would make over and over again), and so I knew it was time to briefly summarize the dollar value of those investments.
• Break down the task (or tasks) to small, manageable steps – In my example, the tasks to be completed were relatively simple in the sense that it involved consulting transactions and balances on various bank and credit card statements. In your case, it might be a bit more complex, in which case you’ll want to think first about the end result you want. From there, think about the first step you would take, then the second, then the third, etc., continuing until you have a solid flow of steps mapped out to get you the end result you desire. As examples, if your task is to work on getting out of debt you’ll want to understand the total amount of debt you have along with interest rates and minimum payments. If your task is to be saving more money, you’ll want to get clear on what you want to save for and how much you want to save.
• Take one step (and repeat until complete) – It’s as simple as it sounds – take your first step as soon as humanly possible to build positive momentum and start shaking off those grungies once and for all. I know that the minute I sat down at my computer and started a brand new business investment summary that I instantly felt much better…and it only got better from there!

The outcome of taking each of these steps is that you are able to accept the situation as it is, and in a grounded way work through whatever financial challenge is contributing to the fear at hand. As a bonus step, it may also support you to confide in someone you trust what it is that you’re working through (both the fear and the steps you’re committed to taking), so that they can hold you accountable to the steps that you want to take as well as support you in moving through the fear in whatever way they are able to.

In the end, the lesson here is that no matter how proactive you try to be (and I’m very proactive!), sometimes financial fear secretly slips into the picture without you even realizing it. And if you ignore the fear, you may end up significantly altering your road to financial freedom by inadvertently sabotaging your financial plan.

So don’t let financial fear hold you back from standing fully in your power – begin clearing away the fear and start healing and transforming your relationship with money today!

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