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Fear of (using) Money

It all began when I caught myself saying to me: You are wasting money. You don't know how to use money. Don't use money.
No wonder I have had a bad relationship with money.
So I got thinking. What does it mean to waste money? How do I know I am wasting or not? What do I need to know and learn so I am able to declare I know how to use money. Why am I unwilling (afraid) to use money?
The answers from Google were shocking and surprising as well as enlightening. I actually have a real legit phobia - the fear of money!

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