A childhood belief about under my bed

My mom is a very spiritual lady, and used to tell me that I am extremly spiritual too, and could see ghosts.
For years I hallucinated a little boy (probably imagination) following me, such as seeing him rocking in a corner to himself, or in closets. My sister then learnt my unnatural fear of ghosts, and proceeded to tell me an old lady lived underneath my bed with glowing red eyes, and if I allowed anything to stick out of my bed she would grab me and pull me under. I then started collecting tedddy bears to make a circle around me to protect me from her and the little boy so they would reach up and grab teddies instead of me, and I would be safe. To this day, I still wont allow anything to get out from the covers for fear of her or the little boy (who my imagination still wont let up on, even going to the extremes where I sometimes can smell her perfume) and am still too afraid of the dark to allow my husband to turn of the light at night.