1. Define your nightmare, the absolute worst that could happen if you did what you are considering.

2. What steps could you take to repair the damage or get things heading up?

3. What are you putting off out of fear?

4. What is it costing you - financially, emotionally, and physically - postponing action?

5. What are you waiting for?

Get out there and do it.  Make that sales call, apologize, sign up for the race, go talk to that cute girl in the library.  If you are worried and or fearful, go through the 5 steps and then just do it.