Establish an emergency fund
"One really good way to allay fears is to have a reserve," says Jonathan Rich, Ph.D., author of The Couple's Guide to Love & Money. Assembling a six-month cushion of living expenses can seem as daunting as resolving to lose 150 lbs., so start by setting a small, achievable goal, such as banking an extra $15 a week.

Stay financially conscious
Every day, write down three successes you've had in capital conservation, such as bringing your lunch to work, declining to buy that adorable blouse and promptly paying the electric bill. (Yay, you!) Next, write down three money-related goals you will work on more aggressively, such as quitting smoking, checking out books and magazines on investments from the library and exploring retirement account options.

Fight anxiety with action
Facing your fears and taking steps to reduce your anxiety always makes you feel better, notes Gurney. Start by gathering information: For example, if you're fearful because you're about to lose your medical insurance, investigate ways to get less expensive health care. Will your primary care provider allow you to see a physician's assistant or nurse practitioner at a reduced cost? Use the Internet and patient support groups to investigate medical schools and low-cost clinics that target low-income communities, and to compare medication costs. Sometimes providers will bill uninsured patients at Medicare rates if they ask, Gurney notes.

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