If you have God as your refuge, you have a priceless treasure because this gives you access to help in time of trouble. With God as your refuge, irrespective of what is happening around you, you have no cause to panic.As unlikely as this may sound, it us possible to be under God's cover and be unaffected by every satanic missile flying around both day and night(Psalm 91:5-6).Due to negative influences from environment, some people have grown up with a particular phobia for the Last quarter of the year. Between January and August,they go about their normal business activities with boldness, but as the month of September approaches, fear envelopes thier hearts.As they read or hear if various accidents happening here and there, thier fear is heightened. Some people allow this conditions to degenerate to the extent that fear redefines all their remaining activities for the year.They may have to cancel all air travel for fear of air crash. Even thier road trips would be seriously reduced for fear of road accidents. They try as much as possible to confine themselves to thier house and will therefore give all kind of excuses for not accepting any assignments or invitations during that period. Such people are just being manipulated by fear!
The book of 1 John 4:18 says
"there is no fear in love;but perfect love casteth out fear:because fear hath torment.he that feareth is not made perfect in love
If you live in fear,you are in Satan's bondage. Your love for God and fellow brethren cannot perfect if u still create room for fear. When you live in fear you give Satan so much attention,thereby empowering him over your life and destiny.
Who ever you fear controls you. Book of Luke says we were saved to serve God without fear.
If you are sure of your salvation but still in fear,check your self; it's likely you are ignorant of who you are in Christ. Also, as a child of God, when you engage in disobedience or harbour a secret sin in your heart,you lose your confidence and fear sets in. If this is your case, repent of your sin and fully turn to God
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God bless you