Omgosh Chel, those fear decisions have bitten me way too often too! I know when I've chosen from fear it comes from my believing I am limited - there is no universe working through me, and the universe is not a friendly place - I then feel desperate, and choose based on this belief. And then it doesn't work out so well.
Over the years it's gotten easier to trust that I am an infinite being in a body - I practice it more, so I feel it more. My choices are easier then. Life just feels gentler.