Hale Dwoskin, Featured Teacher in "The Secret" and author of the New York Times best seller "The Sedona Method," reveals the first thing people must do if their bills are past due, their credit is extended beyond its limit or they are facing other financial woes.

The most important financial problem facing Americans has gradually shifted from energy costs to a broader spectrum of financial woes, according to a recent Gallup poll.

Whereas in July the top three worries were energy costs, an overall lack of money and the high cost of living, as of October inflation, health care costs and too much debt also joined the list. Not surprisingly, a record-high 35 percent of Americans say the will spend less on Christmas gifts this year than they did in 2007, Gallup reports.

For many, however, financial worries do not revolve around how much to spend on holiday gifts, but how to keep making ends meet each month. Past due bills, maxed out credit cards and loss of income are among the problems facing those who are seriously crunched financially.

If people are currently in financial trouble, their first instinct may be to panic or succumb to anxiety, but this is perhaps the worst thing anyone could do.

The more people allow fear and panic to cloud their world, the more reasons they will find to be unhappy -- and the more life will respond to make that feeling a reality. The only remedy, even when the financial situation seems daunting, is to release negative thoughts and get their head into a positive place.

It is only when people are living from a place of positive calm that they will be able to follow their intuition and make the right financial decisions.

People's emotions create their thoughts, and their thoughts either put them into action or prevent them from acting. This is why it's imperative for people to get their mind in the right place.

"When we are facing a crisis, we tend to react instead of act, and our reactions are often based on what was and what has already not worked in the past," says Hale Dwoskin, CEO and director of training of Sedona Training Associates. "Often we make the problem worse through our reacting."

The solution? Anytime someone is feeling panicked, stressed or anxious about their financial situation, welcome the feelings and then use The Sedona Method to let them go.

"When we allow ourselves to briefly pause in order to let go, we find that we have more inner calmness and clarity, which dramatically supports our ability to act more effectively," Dwoskin says. "It also helps us to make the right choices as opposed to the reactive choices. This often ends up saving us a lot of money, time, energy and heartache. You will also find that you are a lot healthier and happier through the process."

This Free Sedona Method Financial Stress Release accessible below will give people a powerful idea of what Dwoskin is referring to.

"A great way to release in action is to simply welcome whatever you are feeling in this moment and also welcome any wanting to change the way it is and the way you feel about it," Dwoskin says. "This can easily be done in action when you need it the most."

The more people release, the more they will remember that ultimately they are much more than their financial situation, and they can be happy no matter what is going on with the economy. At the same time, the steps people need to take to improve their finances will become abundantly clear when they let go.

To soothe financial fears in this moment, people can atake advantage of the no-cost Sedona Method Financial Stress Release at http://www.sedona.com/html/current-Financial-Climate.aspx, and pass it along to friends and family who also want to dissolve their financial stress for good.

Author's Bio: 

Sedona Training Associates is an organization that teaches courses based on the emotional releasing techniques originated by Hale Dwoskin's mentor, Lester Levenson. Dwoskin is an international speaker and featured faculty member at Esalen and the Omega Institute. For over a quarter century, he has regularly been teaching The Sedona Method techniques to individuals and corporations throughout the United States, Canada and the United Kingdom. Visit www.Sedona.com.