2. “No big deal. This can wait another day/week/year, etc.”
First, ask yourself why you've been putting something off and honestly answer whether the problem is time or money. As we know, where there is a will there is a way. And if we really want something to happen it will come true no matter what. Planning your budget and time depends on the level of your commitment. How dedicated are you to your dreams? Stop finding excuses and start actively achieving your goals.