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~ Volume 13 : Issue 03 : February 12, 2014 ~
Celebrating Over 13 Years of Publication!
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How Midlife Women Can Face and Conquer Financial Fears

This post originally appeared on February 5, 2014 on Darlene's blog

In written in September of 2012, we took a close look at five tips regarding stress that comes from financial worries.

Paraphrased, they were:

1. Don't fall prey to spending money thinking it will relieve your stress.
2. Face your situation head on so you can see it clearly and begin to fix your issues.
3. Don't take investment risks - that's a surefire way to crank up financial stress.
4. Be open about money issues and problems with your entire family.
5. Make lists, keep a calendar, get (and stay) organized.

Today in 2014, I think we all hoped and expected that things would improve faster. Instead, globally, countries faced even greater challenges as the world seemingly slid toward the abyss.

Listening and reading the news was not helpful (and in many ways still isn't) if you're striving toward peace of mind.

Stress management for midlife women, while always there, has reached an apex of sorts. We face not only the tasks repeated over and over, but often the burden of dealing with finances, debt problems, and planning for retirement. All too often handling estates of passed loved ones also falls on our shoulders.

I know your pain and stress. I'm living it every day, too.

So based on all the above, I feel it's time to revisit ways to keep your sanity and handle any stress money may be causing you.

First acknowledge that we all face stressful challenges daily.

The day-to-day dealings of life are a source of all sorts of stressors, but one in particular usually overshadows the others. This primary stress varies from person to person.

For some, a packed schedule leaves no room to breathe. For others, troubling family issues or health concerns may be of more pressing importance.

But for those living in the lurking shadows of debt, money is first and foremost in their minds.

Do your thoughts tend to wander in that direction from time to time?

It's no surprise that is one of the most influential stressors out there. Money makes the world go 'round, and not having it can make yours come to a screeching halt.

Food becomes scarcely bought and rationed, clothes become well-worn, and the promise of a roof over your head is brought into question.

Dealing with these perilous issues on a daily basis can have adverse effects on both your mental and physical health alike. Prolonged worry doesn't stay within the confines of the mind. It spreads out to other regions of the body, resulting in stress-induced symptoms such as high blood pressure and chest pains.

Fortunately, there are ways for midlife women to rid yourself of financial stress.

But fully escaping these worries takes time to accomplish, and proactive planning is of paramount importance. Turning a blind eye to the issues at hand won't make them any better.

Don't live in the dark about where you really stand financially. Fearing the unknown can be more stressful than coming to grips with your true financial status.

The only way to overcome your fears is to face them head-on, and that also applies to matters of money. Once the big picture becomes clearer, it's far easier to get rid of the nagging stresses attached to it.

Be proactive in your research. What the younger generation faces is much different than reaching midlife as a woman.

Here are just a few suggestions on how to start to get your fears under control:

o Download your own free copy of
o Visit your local library and scout around online for resources linked to money management advice.
o Check your local community center for workshops related for financial help focusing in on your current status - midlife.
o Seek out expert opinion wherever you can find it, whether it's in-person at seminars, or through trusted sources on the Internet.

It can take some serious work to get your finances under control. But the resulting relief from not having to worry about the murkier aspects of money is more than worth the effort.


I am Darlene Josaphe - economist, lawyer, author, publisher, consultant, mentor, internet marketer, solopreneur, , and an aromatherapy and natural health enthusiast. I am passionate about helping midlife women simplify their lives, beat stress, regain balance, and find joy, happiness and inner peace. and let the good times begin!

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Conquering Your Biggest Financial Fears (Free stuff too!)

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Overcoming Financial Fear

1. Take an inventory of your life and current financial situation. Raise your awareness about where you are so you can evaluate your current position and create a plan for change. Take a good look at your money – your earning and spending. Doing this, no matter what the situation, allows you take control of your financial future.

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How to Conquer Your Fears and Manifest Your Dreams

By Warren Wojnowski

Are you allowing your fears to prevent you from manifesting your dreams of prosperity and a better life? Fear is an interesting animal. Conquering your fears is something most of us have so much difficulty with (at least in certain aspects of our lives) that it's spawned its own industry of gurus teaching you not to be afraid and not to give in to your fears.

At the same time, you have advertisers promoting to you non-stop attempting to sell you products designed to protect you from the unfortunate outcomes or accidents that may befall you. This of course feeds the fear even more, meaning there's more demand for the anti-fear gurus.

Yet, there is a funny thing about fear most of us overlook.

Fear Is Not Real

For the most part, fear is all in your head. Ninety nine percent of the things you fear never end up happening.

Fear is generally focused on a future outcome you anticipate or imagine. The outcome is something you do not want and you're predisposed to believing it's the only possible outcome as you move forward.

Perhaps the most insidious aspect of fear is that it often leads you to freeze ... to do nothing because there's the possibility it will all turn out bad. In other words, we find ourselves playing not to get hurt rather than playing to win.

How can that lead to a fulfilling life of inspired abundance?

Fear Takes On Many Shapes

There are all kinds of fears. The fear of speaking in public is a big one -- but its just a conversation. In martial arts, you learn to break boards with your hands and feet. Yet so many beginners are afraid they will break their hand.

Some time ago, I walked barefoot on fire and hot coals that were over 1200 degrees Fahrenheit. My mind told me I would get burned (or worse) -- and in fact I had to sign a release acknowledging I could die. I didn't get burned at all.

Financial fear is another big one. We've been so conditioned that few of us will ever break free of our financial fears. We worry about being able to provide for our families, send the kids to college, or retire with enough money to live. We're inundated with offers of insurance and commercials focusing on the minefield of risks before us. We are so concerned about losing money that we end up not participating in opportunities when they come along. We presuppose the outcome and so don't even try.

Why Not Presuppose Your Dreams Instead?

At what point was it when you began to choose to put more faith in your fears than in your dreams?

Dreams are simply the opposite side of the coin from fear. They also represent an anticipated or imagined outcome. Why is the dream less likely to occur than the outcome we fear? The truth is that it isn't less likely. By putting more focus and attention on pursuing your dreams, you may well end up conquering your fears.

However, you do tend to get what you focus on and what you believe. So perhaps its time to invest a little more energy in focusing upon and believing in what is possible -- that dreams do come true if you persist with faith and belief in yourself.

Would you like more information about how to overcome your fears and move towards your prosperity goals? Subscribe to my free newsletter now and also receive your free 7 Steps to Happiness eCourse here: Manifesting Your Dreams.


Warren Wojnowski is an avid student of personal growth and self improvement who has operated his own successful home business since 2005. He is a respected writer, teacher and Intrinsic Coach? who is very willing to share what he's learned (or still learning), what's working, and what isn't. Warren says "If you have an aspect of your life in which you feel stuck, whether in your life or your business, I can help you get back on track and start living the life you want".

Article Source: http://EzineArticles.com/?expert=Warren_Wojnowski

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Are you ready to become financially confident? To feel comfortable making decisions about investments? To overcome your fears about spending, saving, and retirement? With just 10 Smart Money Moves . . . from acclaimed financial expert Dr. Judith Briles, you can! A stable and secure financial future is every woman's right, yet most women doubt they have the time, ability, or knowledge to manage their money effectively. Now, in ten simple steps, any woman can get started on the road to a lifetime of financial fitness. For wonen who want to achieve greater financial freedom and overcome the anxiety and fear that often impair money-related decision-making abilities, 10 Smart Money Moves for Women offers caring, constructive information on becoming financially savvy and planning for the years ahead. Author Judith Briles presents an easy-to-follow, ten-part program that provides solutions for conquering the deep financial fears shared by many--such as the fear of losing everything, the fear of looking stupid, and the fear of following the guidance of the wrong advisers--and then offers practical advice and simple, effective tips for creating and maintaining a realistic financial plan for a prosperous financial future. Brimming with helpful self assessment quizzes and questionnaires designed to help you analyze your financial concerns and improve your financial savvy, 10 Smart Money Moves for Women covers basic money management issues like budgeting, goal setting, spending, and saving. Plus, detailed information on identifying insurance pitfalls; understanding stocks, bonds, and mutual funds; and planning for retirement through 401(k)s, IRAs, and other savings plans will arm you with the knowledge you need to feel strong and confident when making your next (or your first!) investment decision. Nine out of ten women will be solely responsible for their finances at some point in their lives. Because no one knows what uncertainties the future may hold, set your mind at ease by preparing and planning for your prosperous and stable financial future today! About the Author Dr. Judith Briles is a nationally recognized expert on women's financial issues. She conducts workshops on money-related topics and is the author of several other books on finance, including The Dollars and Sense of Divorce. Briles is based in Denver, Colorado.

10 Smart Money Moves For Women : How to Conquer Your Financial Fears
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