Let’s face it, for some reason, most of us are really afraid of the term “Finance”. It can mean many things to different people.

How I overcame my own fears

I remember back when my husband and I got behind on our taxes and although we didn’t owe much (because we didn’t earn much), I avoided simply going to the tax office due to being a procrastinator and being afraid of the term “taxes“. So after not filing for a couple of years, I was afraid that I would literally go to the big house for avoiding the IRS.

While at work one day, I was sharing with my colleagues my fears and out of that group was a fella who had once worked for the big dogs himself. That was a blessing in disguise because of three little words he said to me……“Just call them”. Simple as that. He went on to say, not to be afraid, I wasn’t going to jail for avoiding them and they were simply there to help me. Those words empowered me and I went straight home and called the IRS. And yes, they were very polite and told me to simply go to an accountant and file –the past couple of years– of tax returns at one time. So my Husband and I did just that. Luckily, we had an accountant right in our family! God himself was totally in control and connected me with the right people to get a handle on our “tax issues”. The best part is that during this process, I was made aware of classes that were available that would teach you everything you need to know about taxes, plus, upon completion, you would then be accredited to do taxes for others through the company. I rolled up my sleeves, faced my demons, took the classes and now, I do our taxes myself every year! I’m no longer afraid of the IRS.

That was one of my fears and I know you have your own. Whether it be taxes, budgeting, retirement, or anything else, I want to help by providing you with the right resources to empower you to overcome your fears. I also want to note that while I have personally used the following resources, I am not affiliated with them in any way and am not getting paid to promote them.

You’ll learn that I like to simplify and break things down into steps. So here, I have gathered 10 resources that will help you to overcome your financial fears. You must understand what things mean before you can act on them. So, let the laundry wait and use this valuable time to empower yourself with what I’ve got in store for YOU.

Investopedia: Understand All the Terms used in Finance

Investopedia is a good starting place for those wanting to learn the terms used in the financial world. They strive to empower every person to feel in control of their financial future. Their editors and experts have been simplifying complex financial information and decisions for readers since 1999. They are a group of editors, writers, product experts, developers, data scientists, analysts, and executives who are fiercely dedicated to financial education and empowerment.

Whether you are just starting to learn about money and investing for the first time, or are experienced investors, business owners, professionals, financial advisors or executives looking to improve your knowledge and skills, their website has everything you need to empower yourself to get rockin’ in the world of finance.

Yahoo Finance

Yahoo! Finance Education is a well-written encyclopedia of personal finance topics, presented almost entirely in an unbiased manner.

If you want to know exactly what debt means or want to learn what a P/E ratio means for stocks or how to buy a bond and you prefer easy to understand wording, this is the place to go.

Dave Ramsey’s 7 Baby Steps

Forget everything you know about money-management plans. With Dave’s 7 Baby Steps, you don’t need a degree in finance to take control of your money. Anyone can do it! With each step, you’ll change how you handle money—little by little.

Ramsey Solutions provides biblical based, common-sense education and empowerment that give HOPE to everyone in every walk of life.

InCharge Debt Solutions: Free Personal Finance Education Materials

InCharge has developed specialized financial literacy workshops for at-risk adult populations, especially low-education and low-literacy. These unique materials are highly visual and interactive – designed for the in-person workshop.

InCharge offers FREE financial literacy resources to teachers, K-12, college and adult. These are designed for individual study as well as in-person workshop experiences. These resources are free for downloading, printing and reproducing. Teacher’s guides included.

CNN Money Essentials

CNN Money 101 presents the basics of what you need to know about personal finance in a series of lessons that you can absorb one at a time to teach yourself the basics of personal finance.

If you thrive on an organized lesson-based setting for learning, this might be the best for you!

360 Financial Literacy: Free Personal Finance Education Materials

360 Degrees of Financial literacy is a national volunteer effort of the nation’s Certified Public Accountants to help Americans understand their personal finances and develop money management skills. It focuses on financial education as a lifelong endeavor—from children learning about the value of money, to adults reaching a secure retirement.

The 360 Degrees of Financial Literacy Web site offers general information for managing personal finances. The most awesome part is that they have topics aimed at eight different stages of life from teenagers to the retired. You identify the stage of life you’re in – student, parent, homeowner, crisis, etc. – and you will find news and information aimed at your situation, along with tools and calculators that can help solve problems you may be encountering. You can even submit questions to the “Ask The Money Doctor” and see what he prescribes for debt relief!

Wise Bread: Personal Finance & Frugal Living

Wise Bread is a community of bloggers here to help you live large on a small budget. Despite what you may have heard, you don’t have to sacrifice your financial independence to enjoy life!

Their goal is to help people live well. The most popular areas of the site are the “Personal Finance” and “Frugal Living” sections. It also offers a “Life Hacks” area that covers everything from technology tips to managing an organization.

Banking Sense: Personal Finance Tips & Advice

Banking Sense is one of the most valuable resources on this list. It has a unique way of presenting valuable financial information and advice without using hard to understand jargon or phrasing that’s difficult to understand. The site covers topics such as credit cards, insurance, small-business finance, personal finance, taxes, and more.

Cash Money Life: Personal Finance, Investing & Career

Cash Money Life is a personal finance, small business, and career journal, with daily articles about a myriad of financial, small business, and career topics, timeless tutorials, current events, product reviews, and more.

The site is set up in a typical (and simple) blog format which makes it less confusing than other sites.


MyMoney.gov offers its own unique spin on personal finance. It has information about earning, borrowing, saving, investing, spending, and protecting your money. Other popular pages include financial tools and money quizzes.

The website is a product of the “Congressionally chartered Federal Financial Literacy and Education Commission”, which is made up of more than 20 Federal entities that are coordinating and collaborating to strengthen financial capability and increase access to financial services for all Americans.

I hope this information empowers you and expands your financial terminology. I am also starting on this journey to become more knowledgeable about my finances. Le’t’s do this together!

Remember, you can’t change what you don’t acknowledge.