When it comes to our finances, we live with good intentions but put off budgeting and planning until we face another crisis. My husband and I want to break our cycle of procrastination, crisis, firefighting, and then back to procrastination. We need help to stay focused.
Dear Painful Procrastination,
You have come to the right place! I became an expert procrastinator in college. Like you, I often ignored due dates and warnings. I nearly failed a language course because I put off going to the lab until it was almost too late. My professor scolded me for trying to cram all of my practice sessions into the final two weeks of the semester, but he showed mercy! I tend to have an optimistic view about everything, which makes me slack in planning. Most of my progress has come through learning from my wife, who is always thinking and planning ahead. The Bible also speaks to the issue!
Don’t be too hard on yourself. Procrastination is part of our fallen nature. We know taxes are due April 15th every year, but millions wait until the final days and hours to file tax returns. We know a car must have oil and gasoline to operate properly, but we tend to ignore the warning lights. We know Christmas comes every December, but the malls will be full of shoppers on December 24th. We know our bills are due on time every month, but we tend to wait until we are under pressure to take action.
Cost of Procrastination
Procrastination costs us in numerous ways. As you pointed out, it is stressful and leads to a self-inflicted crisis. Let’s examine just how much it costs to put off the discipline of careful planning.
Making temporary sacrifices in your lifestyle now will positively impact your future. Allow these verses to speak to your heart:
“The prudent sees danger and hides himself, but the simple go on and suffer for it.”
(Proverbs 22:3 ESV)
“Know well the condition of your flocks, and give attention to your herds, for riches do not last forever; and does a crown endure to all generations?” (Proverbs 27:23–24 ESV)
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Invest in Your Future
The Bible says that where our treasure is, there our hearts will be as well. Investing in your training or a system to keep you on track makes you much more likely to follow through. Possibly, you can make Christmastime a turning pointfinancially. How about your husband and you give each other the gift of a Crown budget coach or take an online class together? We receive testimonies from couples at all stages of life who have finally overcome their lack of financial progress by simply hiring one of our coaches.
I hope this helps you get going! Merry Christmas to you and yours.
This article was originally published on The Christian Post on December 9, 2022.
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