maynard ,
Just visualize that you are going to face your problems with a smile.what ever it is , just let it come and you are going to face it with a smile.Rest of them are escapism.You know , fear is from satan , it is not from God.Your problem can not take your life , but your fear can.And I must say one more thing , what giving you the feeling "fear", you own sin or guilty conscious.You must repent and go to church , have a confession.God will forgive you.And just take a decision that you are going to live as a good man/woman.Also Jesus is the only Savior for we people.Those who believe in Jesus Christ wont have a judgment day.
In the name of jesus Christ.
Amen.
Sorry I am not good in englist , I think everything is clear for you.God bless.