Spiders and snakes don't bother me. In fact, I have a pet python...had him about 13 years now. We get spiders in the house all the time, being an old, drafty house, out in the sticks. Normally I leave them alone, but one of my house mates is deathly afraid of them, so if he sees one, I'll try to catch it and take it outside. Certain types don't bother him, but the ones that jump, scare the you know what out of him!
My one critter fear is bees. I was scared as hell of them as a kid. A lot of it was all those killer bee movies of the 70's that seem so scary as a kid, but when you grow up you realize they're really pretty campy. For the most part, I've gotten over that childhood fear, but sometimes it still lurks in the back of my mind. I got stung a few times as a kid, and once got into a bumblebee nest and got stung pretty bad, enough that I was laid up for the weekend.
Usually, at least once per summer, I'll run over a yellow jacket nest while cutting the grass. I've been lucky so far, that I've never been stung. I'll run right over it with the tractor, and not even notice it, but the next pass I make, as I get closer, I'll see them swarming around and simply give them a wide berth.
Otherwise, I don't know if these things really scare me, but here are two recurring dreams I have. Not really nightmares, but just bad dreams...
1) In this dream, I realize that I'm going to be running out of money, so have to go back to my old second job delivering pizzas. The only problem is, things end up being a total disaster in the store, and when I go on the delivery runs they take a lot longer than I expected, I can't find the house, etc. I usually wake up before anything truly bad happens. In some versions of the dream, I take on a second job waiting tables, with disastrous results. In the pizza delivery dream, I take on the feeling of dread that whatever freedom I've had is gone, and I'm back to being a slave to the system again. For some reason, the waiter version never gives me that feeling...it's more along the lines of I'm picking up the job simply for extra money, but not because I have to. And in the waiter version, usually something tips me off that it's not real and just a dream, so I quit worrying. But with the pizza delivery version, sometimes I'll wake up, and have to shake off that feeling of worry.
2) In this dream, my Mom and stepdad fall on hard times and move back in with me, and drive me up the wall. In this dream, it's always the house I'm currently in...never some other house that I know of, or even a random, made-up house. So I'm guessing the message this dream is trying to send me is that I need to move and not give anyone a forwarding address!