I think most of us enjoy the little thrill that comes from a Halloween scare. My kids like to be surprised by just the right amount of ‘boo’ or mechanical spider lunging toward their feet as they cross the threshold.

What really frightens them though is the unknown, the uncertain and the down-right scary – like fireworks set off in the middle of the night or witnessing a car accident. As adults there may not be much that ‘scares’ us but there can be things that we worry about or are afraid of. Money worries can be one of those things. As with childhood fears, facing and addressing your financial foes is half the battle.

Learning about the unknown and setting plans in place to reduce uncertainty are key steps to moving past any type of fear into a position of confidence and strength. In the world of your money this equals choices and options.The first step is to gather your information, review it and understand your financial position. Does your income cover your expenses? Do you have debt? Do you have Assets? If so, how much of each?

Don’t let the Worry Witches get the best of you this Halloween!