“Procrastination is one of the most common and deadliest of diseases and its toll on success and happiness is heavy.” ~Wayne Dyer

“Procrastination is, hands down, our favorite form of self-sabotage.” ~Alyce P. Cornyn-Selby

“Procrastination is like a credit card: it’s a lot of fun until you get the bill.” ~Christopher Parket

“The lazy will not get what they want, but those who (stop talking and) work hard will.~Solomon

You know what drives me crazy about my kids… it literally annoys the… the… snot out of me.  They seem to wait until the last-minute to do everything.  Whether schoolwork, chores, getting up, homework, etc…

You know why I think it bothers me so much (and I hate to admit this), because I do it too.  This past week while at the gym, I was speaking with a friend who shared his struggle to stay motivated, especially at work, when working on tasks that are not very fulfilling.  I admitted that like him, I share that struggle to get some tasks done BEFORE they must be done… especially when I am not interested/motivated.

When it come to money and our financial future, we find ourselves doing the same thing.  It isn’t a matter of knowing WHAT to do, we’re just not motivated to begin today.  For example, we all know we should:

• Begin living on a budget, but…
• Begin preparing for retirement, but…
• Stop using our credit cards, but…
• Enroll in college to finish our degree, but…

Why don’t we begin any or all of these things that we all agree NEED to be done?  Procrastination is the biggest  reason.   We may have some legitimate obstacles, but if you don’t execute your own life plan, chances are you’ll fall into someone else’s plan.  And guess what they have planned for you?  Not much.  Every journey begins with one step in the right direction, the question we must all ask ourselves.  Am I be carried through life by the current, or swimming upstream with a destination in mind?

There is a saying about self-discipline that describes my thoughts well, a person without character, self-discipline, and a plan… is a slave to whatever happens to captivate them at the time.

Begin today to live each day with a purpose, with a plan.  Over this weeks posts will discuss some steps we can take to begin these changes in our lives.

Dave