Procrastination Help and How to Overcome Fear of Failure

September 14, 2018 0 By Cris

“If you keep doing it tomorrow, it will never get done.”

How often have you said to yourself “I’ll just do it later” and then it never gets done? How many times have we set a goal to start on Monday, but Monday came around and you still didn’t make any progress?

Don’t wait on me to win before you jump in the game

A bunch of you are following my blog to see me win! (At least I hope that is why you’re here….)

However, some of you won’t even take that first step to start your own journey to debt freedom.

Why would you wait to see my results before you start? What if this journey takes me 5 years and you don’t get started until year 5 because you were waiting to see if it worked for me?

Why is it that so many times we have to wait until we see the next person be successful at something before we jump in and try it? I understand some people don’t want to take a risk in certain circumstances, but on your journey to debt freedom all you’re looking at is following a budget and paying the bills that you already have. So what’s the risk?

I don’t want you to wait until it’s too late. If you wait until you see if I’m successful, then you’ve wasted way too much time.


Procrastination will be your number one enemy!

Why do we procrastinate?

Most of the time we procrastinate because we just feel like things can be put off until tomorrow….until tomorrow becomes 1 week….1 month….then 1 year, and we look back and have let so much time go by.

I don’t know who made this image….but it is one of my favorites


One of the number one responses for why people procrastinate was because of the fear of failure.

Many times we put it off because we don’t want to get it wrong.

Procrastination and fear of failure

Don’t let your fear of failing get in your way. There is no way to fail in budgeting and becoming debt-free unless you just don’t start. As long as you at least get started and you start paying off your debt you will meet your financial goals.

Let me tell you about real life example of how my fear caused me to procrastinate and miss out on a great opportunity.

I know many of you have heard about bitcoin right? Well many years ago before bitcoin was popular I was given the opportunity to invest in it for literally pennies.

Instead of me jumping right on the opportunity I decided to wait to see what was going to happen. I watched a few of my friends who decided to invest….then over the years I saw them make lots of money.

One of my former co-workers literally invested less than what I probably pay for pair of shoes, and now they have enough money to pay off some of their student loans.


Do you see the price history of bitcoin? I believe it was under $2 when I was offered the opportunity. Even IF I had been a part of the largest point where it dropped and I bought ONE I would be $6000 richer than I was 7 or 8 years ago.


………and it was all because of my fear. PENNIES years ago could have had me in a much better financial position but I was too AFRAID and wanted to “just see” what happened.

And so what if I had failed? Let’s even say I invested $100 at the time and it didn’t work….I have wasted $100 on many more things that were not beneficial to me…..

I can probably calculate more than $100 worth of veggies that I have bought this year that have gone bad in the fridge!

Why this is fail-proof

The steps are so simple….

  1. Make a budget
  2. Follow it
  3. If it doesn’t work….. fix your budget and do it again!

There is not much more that I can say here.

SO THE HELL WHAT if you made a budget this month and don’t follow it to the letter……yeah whatever….you spent too much money on fast food this month…..

Just start over and do it again…..AT LEAST you are aware of what you are spending…which is one of the main reasons why so many people are in debt.

Creating a budget isn’t about being perfect. It is about understanding how much money is coming in, and how much money is going out.

If you’re waiting on the perfect time or the right amount of money or your bank account to look better all of these things are never going to happen if you don’t get on a budget.

Can I just….

If all of this seems a bit overwhelming take a little task at a time to start gaining momentum at least. I don’t recall where I got this theory from but the person said something really thought-provoking that caught my attention.

He said to take a moment to ask yourself “Can I just….” and fill in the blank with a small task. Then see what a difference it could make.

For example, you don’t have to lay out your entire budget and financial plan for the entire year right this moment. But if you just take the first step and say “Can I just make a list of my bills tonight?” Then tomorrow you can say “Can I just compare my income to my expenses tonight?”

Taking these smaller tasks a day at a time instead of trying to tackle everything at once will at least give you more momentum toward your goal than doing nothing.

Don’t wait…. Start Now!

Remember my bitcoin story….. Don’t be like me regretting not getting in because of my fear.

I look back about 3 years ago when I started on a similar journey toward debt freedom.

Sitting down at that time with my budgeting coach Trea (I miss her) was so eye-opening for me. For about a year I stuck to the plan and we got rid of some SERIOUS debt. If I had stayed on course back then by next year I could have been completely debt free based on the calculations from our spreadsheet…. I could have been debt free NEXT YEAR!!!!!

It hurts even more typing it out and reading it again.

But I gave up…..I made a few mistakes in my budget a few times and claimed “I’ll start over next month.”

That ‘next month’ promise has now turned into more than 2 years later and I am worse off now than I was then. I have now extended that 3-4 years by another few years because I kept procrastinating.

So no more putting it off until next month. It is seriously time to take this debt dragon by the horns and….just kill it!

I hope you don’t wait 4 years to see my success story. Start with me now! Let’s hold each other accountable!

What can I do to help you?

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