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How Much is Procrastination Costing You?


Is procrastination 'getting your goat'?  Is it costing you money? It sure has been getting to me lately!  Dave Ramsey talks at length about the miseries of paying the

 
He's referring to times when we end up paying fees and getting stuck in financial woes due to not thinking enough about what we are doing or not reading the fine print.  (Read all about it HERE.) I've paid this tax many a time but no more so than recently.

Why? Because of PROCRASTINATION!  I just want to kick myself for paying this tax. Late fees and fedex over night shipping, or--like just recently paying extra interest because I didn't rollover a small debt (for dental work) to a lower interest credit card. Procrastinating costs money! Ouch!  If you are having any trouble with finances--there's no better source for help and a great plan than Dave Ramsey! He's saved our financial lives many a time!

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Deer in the Headlights Syndrome
But for some reason, since my father passed away in January, I've just been somewhat overwhelmed with all the estate issues. I'm doing TWO sets of finances some of which include areas I've never dealt with before, like selling a home, Social "in-Security", and savings bonds, muniment of title, investments etc. It's a huge list. I keep tackling the urgent things, but putting off the less urgent.


I think I've been suffering from the "deer in the headlights' syndrome!
 

Have you ever felt like that? The truck (called paperwork) seemed to be barrelling down on me and I just sort of 'froze'.

 
If you add to all this my FIRST EVER SPEEDING TICKET--in my whole life, which included an online defensive driving course, plus buying a newish car, driver's ed for a child, losing a debit card and having to retrace the steps of where automatic payments were relying on it, foundation repairs, terminex, plumbing, contingency amendment for house sale that fell through, long distance yard and home maintenance...and the list goes on and on.
 
There is a solution!

The last two days have been spent making order out of this chaos.I feel SOooo much better!! (I wanted to sew but the paperwork was piling up on the desk. I will sew with much more enthusiasm knowing our papers and finances are in order!)  I don't know what you do when you get into a spot like this, but when I finally remember to do it, I do have a good approach.



Anything we have been procrastinating about, by nature, is something that CAN be put off. And that's the KEY to fixing the problem. If it can't be--generally-- we do something about it. I finally did finish the defensive driving course (barely on time) because it had a deadline.  But the great thing about items on our list that we tend to put off is that they can be 'scheduled'. Don Aslett, in his book How to Have a  48 Hour Day says that most of the things we procrastinate on  don't take a lot of time to do--they're just distasteful jobs. And he is so right!  (I bet you aren't surprised to hear that this is one of my ALL TIME FAVORITE BOOKS!) :o)



Calendar to the Rescue!
So what do I do? I get out a calendar, piece of paper, and a pencil (not a pen), and I start making a list of all those little things that are bugging me--bills, letters, thank yous, miscellaneous tasks, errands, and small home repairs.  Then I mark them by urgency.  Next, I write in any big events on the calendar that we will be doing and write one of these procrastinated 'mini-jobs' per day in all the blanks. I just spread the whole list out over a month's time so it doesn't seem so overwhelming!   I can do one or two items--just not 30!

It's funny, but once I get the list spread out, I'm finally able to get moving again. I even got several things done rather than just the couple I had scheduled!


How about you? Feeling like a deer in the headlights? How do you deal with procrastination?



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6 comments:

Millie Green said...

Great blog post! Thank you so much for sharing. And yes, I have paid the stupid tax many times and deal with procrastination (esp wrt paperwork) problems myself. Thanks for getting me to think about this and offering solutions.

Caroline said...

I think it is your computer? It seems to show up fine on mine. I need to read your article in a bit but I'm not procrastinating right now,so it will be later. :) Enjoy getting things done!

Room for More said...

too funny! I was about to post on procrastination day! We took off school this week and have really knocked down the list in a HUGE way. I am breathing easier again!! I would LOVE to read that Don Aslett book. Maybe you should do a giveaway soon?? (hint) ha!

Thank you for the encouragement on my blog. I love you too!

antmee said...

Great post! Procrastination is one of my main bad habits. I write lists of things to do. This is to get some order in the chaos and I usually find that things arn't actually as overwhelming anymore.

Ps my hubby is talking to me about ancient chinese building pyramids while I try to read blogs and leave comments so I hope I make sense as i am finding Hubby is not getting the hint!

Donna said...

Antmee--that is too funny! My husband would enjoy his conversation too. Too bad we don't have skype available. :o)

And Shannon--you are right. I should do a give away of his book. To tell you the truth, I should check out some of my favorite homemaking books and stock up on cheap copies at half.com. :o)

Trudy Callan said...

I am just now getting around to reading this post. Great idea putting one task per day on the calendar. I am going to do that.

“There's nothing half so pleasant as coming home again.” ~ Margaret Sangster
Welcome to Comin' Home! If you lived nearby, I'd invite you over to my neck of the woods for a nice long chat and a cup of tea out on the deck. But since we can't do that, I hope you'll stay and look around. I love learning new things and sharing what I learn with friends. Comin' Home is where I share tips from my many projects. Let's have some fun together! XO Donna

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