Hello MrsBlessed,
A while back, I posted on this forum with this same issue (and got lots of helpful responses. I'll have to have a look for the thread.) I since overcame my fear and wrote an article about what I learned in the process.
I was probably worse than you in that I was paralyzed by a fear of spirits. I'd get freaked out if I was in the house or in a room on my own in case there was a spirit or a ghost with me! I was also afraid of my own guides.
Now I work with them daily and sometimes encounter deceased spirits who want healing. I would have had a heart attack if I'd encountered a deceased spirit two years ago
Here's the article I wrote:
healingandinsight.com » Blog » Overcoming a fear of the spirit world
Anna