Category Archives: Procrastination

Poor Priorities, Lack of Motivation, Perfectionist, Delay, Procrastinate

I’ll Blow the Budget Tomorrow

English: A set of EBC performance disk brake pads

English: A set of EBC performance disk brake pads (Photo credit: Wikipedia)

I thought I’d talk about procrastination today, but I decided to wait until my next article . . . not! Instead of procrastinating, let’s talk this very minute about how procrastination can blow your budget.

Let’s consider your car as an example. A few weeks ago, it started making that strange noise. You know the one I’m talking about. Something is clearly wrong, but you just haven’t had the time to take it into the repair shop. The noise got louder and more obnoxious. You finally took it in. The mechanic informs you that your original problem was that your break pads needed replaced. That would have cost you $200. Because you waited, however, the problem grew worse. Now you’re looking at an $800 bill to replace the brake pads AND the rotors.

Here’s another common example. You don’t plan for a meal until 7:30pm. Looking in to the refrigerator, you discover it’s empty. You’re hungry, so instead of cooking a meal for your family at home for $5-$10, you spend $40 eating out.

It’s easy to blow a budget through procrastination. Fortunately, it’s a simple fix. Plan ahead and save big!

Not only do these items need to be high priorities on your to-do list, but you need to actually schedule time on your calendar for them. Be sure to reasonably estimate how much time each task will require, and add a little extra time to that amount. Don’t allow procrastination to blow your budget. Instead, focus on procrastination and prioritization management.

You have a choice, and the choice is yours.

Bryan D. Cooper
My Financial Life Coach LLC
“Helping You Get Your Financial House In Order”
2280 W William St., Suite A
Delaware, OH 43015

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Filed under Auto, Budget, Family, Finance, Food, household budget, Personal Finance, Priorities, Procrastination, Relationships & Money

Three attitudes that really mess with your financial wellness

Attitude is Everything!

Attitude is everything in the game of personal finance. About 60% of the folks I meet with have the right attitude, the attitude that they can take action and correct their situation, no matter who caused it. For this post I want to talk t0 the other 40%.

1.   The government or my employer will take care of me.

It isn’t wise to allow others who have little or no vested interest in your well-being to have control over your future. I’m not making a political statement here. It is in your best interest to take an active role in your finances, your education, your employment, your health, and your retirement.  Being passive or not taking responsibility in these areas could result in a non-positive outcome. You need to take action and own the responsibility.

2.   I’ll do something about my situation tomorrow.

You need to DO IT TODAY! Stop procrastinating. Take action. The two main reasons I see procrastination with finances is a) lack of knowledge, or 2) the fear of failure so no action is taken, which results in failure anyway.

3.   I don’t need a written plan for my financial goals.

I’m sure you have heard the saying “What is measured gets managed.”  It is also true with budgets. Writing it down:  a) it keeps it in front of you b) it improves the communication because it is documented, and c) it makes it real because you can read it and touch.

Remember, YOU have a choice, and the choice is YOURS.

Ten years or twenty years from now, will you be saying “I wish I had gotten my finances in order”, or will you be saying, “I’m REALLY glad I DID get my finances in order!”    – Bryan Cooper

Bryan Cooper

My Financial Life Coach, LLC

Delaware, Ohio

Thank you for reading the My Financial Life Coach blog where we talk about life, food, family, life events, spending, and economic news. We do make every attempt to avoid the topic of politics but we will bring up economic policies that need communicated.


Filed under Blog, Budget, Change, Economy, Events, Family, Food, Goal Setting, Goals, household budget, Money, News, Personal Finance, Priorities, Procrastination, Saving Money

Time Tip Thursday

Home: When purchasing something which may be out of stock, call the store before leaving home to see if they have it.

Work: When scheduling, use a single calendar to ensure that business and family events do not conflict.

Work: When you are at work, be sure to work. Being more efficient while in the office will increase your productivity, enabling you to focus on other things when you are not at work, such as building relationships with your family and friends.

What are some of your favorite tips? Let’s hear about them. Post your comments here or on my Facebook page.

Just a reminder, between now and December 25, I’m donating $2 to Lifeline Christian Mission for every new “Like” on the My Financial Life Coach Facebook page.


Bryan Cooper

Financial Life Coach

Dave Ramsey Certified

2280 W William St., Suite A

Delaware, OH  43015 is a provider of financial education, coaching, web-based training, and seminars for individuals, businesses, and non-profits.

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Filed under Christmas, Dave Ramsey, Goals, Miscellaneous, Procrastination, Time, Time Management, Uncategorized, Work

Perfect or Great?

I wonder how many books on procrastination have had to be written because of one line in the book Good to Great… “good is the enemy of great.”

I believe in doing things well but sometimes we confuse the word great with the word perfection. Many things require things to be done great or well, but not perfect. If you are a surgeon, I want perfection. If you are my mechanic, great or well is sufficient. I want the parts installed correctly and I want the bolts torque to specification, but I don’t care if the slot in the screws all line up so they are visually pleasing. If you own a $100,000 collector car, you want things done to perfection, not done great or well.

When we feel we have to do things perfect, it slows us down. We take more time to make sure it is perfect. We may be so concerned about making it perfect that we keep finding reasons why we don’t start working on it. So, when you are feeling that something has to be perfect, re-evaluate. Does it need to be perfect, or is great or well sufficient?

Another thing to remember is if we working on something with total perfection, and there is no need for it to be perfect, we are being inefficient. Being inefficient means that something else is either not getting done, or you are working more hours than is truly required of you.

So if you are perfectionist, I want you to evaluate why you are a perfectionist. Is it because what you do requires it, or because you have made that self-imposed demand on yourself? How does your perfectionism impacting your life balance? How does it impact your budget? Yes, I said budget. Perfectionists usually have a hard time doing a household budget because the fear of not doing it perfect prevents them from starting!

So stop being perfect and start being great. Go make something great happen this week.

You have a choice, and the choice is yours.

Bryan Cooper

My Financial Life Coach, LLC

Delaware, Ohio  43015

Check out our new, totally online program, yours today for just $29.99.

Balance Up: 42 Days to Maximize, Energize, and Organize Your Life

Balance Up is different than most other programs because it combines Goal Setting, Financial Management, Prioritization Management, Time Management, and Life Balance into a single program. In the mid 90’s Bryan developed and delivered corporate training in the areas of Goal Setting, Action Planning, and Time Management, so he understands adult learners. Bryan has combined that experience with his experience in financial coaching to create Balance Up.

So what are you waiting for? Take action today and start working on your dream, goals, or finances.  Let Balance Up walk you through the process.

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Filed under Balance, Budget, fear, Goals, household budget, Life Balance, Priorities, Procrastination, Uncategorized

Celebrate the Successes of Yesterday and Today

Positive self-talk

As people start dealing with tough situations such as financial issues or overwhelming schedules, they are quick to point out that they can’t make it because of some other failure they might have experienced in the past. If you are dealing with a prioritization issue (too much to do), you might tell me about the four items you didn’t get done earlier, and those items become the entire discussion.  If I had the opportunity to follow you around for the entire day, however, I might discover that you worked on and completed twenty other items.

Focus on the accomplishments

Now, you may have had the wrong priorities and worked on some less important tasks, but the fact remains that you did a great job accomplishing those twenty items. In other words, you did a great job completing twenty items, but you are only focusing on the four that didn’t get completed. That is a one-to-five ratio. Another way of saying this is that you were focused on the one out of five tasks that you didn’t get done instead of the four out of five that you did get done.

Look at everything you do and consider the accomplishments. For example, if you say you can’t manage finances, you may tell me that you spent $30 eating out instead of spending $5 eating at home. During that same day, you also chose to use coupons and to purchase some store brands, so you saved $40 on your grocery bill. You also decided not to purchase a new T.V., deciding that you will wait until it no longer works to replace it. While you failed in the area of eating out, you still succeeded in other areas. Don’t focus entirely on the negative. Consider what you did right, and work on correcting the areas you sometimes make mistakes in, but don’t allow your mind to constantly dwell on them. Instead, think about how you succeeded today.

Maybe you struggled in the area of procrastination yesterday. You needed to mow the lawn, but you couldn’t bring yourself to do it. Instead, you finished cleaning the house, paid your bills, and worked on your budget. You failed to mow the lawn, but you did finish some important tasks as well. Focus on the positive.

Don’t allow a few failures among many successes to discourage you. Look at the ratio of failure to success and pat yourself on the back for the accomplishments. Reflecting on the positive will help you to stay motivated and will help you to keep moving toward your goals.

You have a choice, and the choice is yours.


Bryan Cooper – Financial Life Coach

Delaware, Ohio 43015

Stop by our website for over 300 money and time saving tips.


Filed under Goal Setting, Goals, Life Balance, Personal Finance, Priorities, Procrastination

Guest Blogger Friday – Brianna Cooper – Making the Most of Your Time in College

Welcome to college, the land of absent-minded professors, social lives, and all-nighters! Finally on your own, you are free to use your time as you wish. A movie at 3:00 a.m.? Why not! Soccer between classes? Sounds like a blast! College is a time of fun and growth, and in order to achieve the greatest benefit from it, you must decide what you hope to accomplish in college. Here are a few steps to help you get started on your journey:
1. DETERMINE YOUR PRIORITIES.What do you hope to accomplish in college? Decide what is and is not important to you. Make a list of your priorities, numbering them by importance.

2. SET GOALS. You cannot reach a goal if you don’t have one. Once you have determined your priorities, you must decide what you are going to do about them. Set specific goals that can be measured. For example, if getting passing grades is one of your priorities, define what that means. What specific grades do you want? Don’t forget to write down your goals. Put them somewhere you will see them on a regular basis.

3. DEVELOP A PLAN. You must decide how you will obtain your goals. This step includes creating a schedule, which can take on a variety of forms. Schedule time to reach your goals. Using our previous example of getting passing grades, schedule study time. Set aside the needed number of hours at a specific time.

4. FOLLOW YOUR PLAN. Once you have determined your priorities, set your goals, and developed a plan, follow it! You can only succeed if you act upon your decisions.

5. EVALUATE/CHANGE YOUR PLAN. Periodically evaluate your priorities, goals, and plan. Are you satisfied with where you’re heading? Have your priorities or goals changed? Is your plan working? If you have changed your priorities, you may need to adjust your goals and plan. Also, if your plan doesn’t seem to be working, try changing it. Don’t be discouraged if you fail in your first attempt. Don’t give up. You can reach your dreams!

Enjoy your time in college!


Brianna Cooper

Frugal College Student

Editor @


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Keywords: Change, Balance, Education, Goals, Goal Setting, Life, Life Balance, Miscellaneous, Personal, Priorities, Procrastination, Relationships, Saving, Saving Money, Stress, Thoughts, Time, Time Management, Work, Uncategorized

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Filed under Balance, Change, Education, Goal Setting, Goals, Life, Life Balance, Miscellaneous, Personal, Priorities, Procrastination, Relationships, Saving Money, Stress, Thoughts, Time, Time Management, Uncategorized, Work

Programmable Thermostat

In today’s economy, people often talk about how they can reduce their expenses and increase the return on their investments. There are many ways to do this, and some are more challenging than others. As I work with clients to maximize their incomes and improve their finances, one thing we discuss is how to reduce their utility costs. One of the items that typically comes up in these conversations is the programmable thermostat. Most people either they don’t have one or they have one but do not use it. According to the website, a programmable thermostat saves an average of $180 per year. So if you have one, start using it. If you don’t have one, get one. Spending $40 to $100 for a programmable thermostat now can save you approximately $1,800 over the next ten years. Now that is an EXCELLENT return on an investment. Talk about savings!

You have a choice, and the choice is yours.

Bryan Cooper

Financial Life Coach

Visit us at

Keywords: Budget, Budgeting, Change, Debt, Economics, Economy, Emergency Fund, Finances, Financial, Life, Money, Miscellaneous, Priorities, Procrastination, Saving, Saving Money, Spending, Stress, Uncategorized


Filed under Budget, Change, Economy, Emergency Fund, Finance, Financial, Home, Life, Miscellaneous, Money, Priorities, Procrastination, Saving Money, Stress, Uncategorized