Why Do I Keep Saying ‘I’ll Do It Later?

Do you keep telling yourself, “I’ll handle my finances later,” only to feel stuck and overwhelmed? You’re not alone. 71% of Americans admit to procrastinating, especially when it comes to money. However, the real issue isn’t laziness. It’s fear, confusion, and perfectionism that quietly sabotage our progress. In this episode of Financially Confident Christian, I share how small, consistent actions, what I call “micro moves,” can help you break the cycle of delay and build real momentum. I talk about how setting a 10-minute timer helped me, and others, finally tackle lingering financial tasks. I also offer a prayer for courage and remind you that progress, not perfection, is the goal.

If you’re working on building better financial habits, this episode pairs well with Episode 345, “Why Can’t I Keep My Financial Resolutions?” In that episode, I explored how excitement can spark change, but only systems can sustain it. I shared how one listener saved over $240 a month by tracking her spending and building accountability. Together, these episodes offer a powerful one-two punch: systems to support your goals and micro moves to help you take action today.

Read today's blog article:
https://www.financiallyconfidentchristian.com/blog/procrastination-habit-start/
financiallyconfidentchristian.com/do-it-later

Podcast timestamps:
00:00 Introduction: Overcoming Procrastination
01:20 The Power of Micro Moves
01:48 Personal Story: High-Yield Savings Account
02:54 Identifying and Naming Your Blockers
04:12 Taking the First Step: 10-Minute Rule
05:24 Building Momentum and Creating Streaks
06:49 Biblical Guidance on Procrastination
08:45 Action Items and Community Invitation
09:40 Conclusion: Start Small, Start Now

Ready to master biblical money management? Join the Financially Confident Christian community for exclusive resources, practical guidance, and support from fellow believers on the same journey.
Join on Patreon: financiallyconfidentchristian.com/join

Newsletter for Daily Encouragement & Financial Tips! https://www.financiallyconfidentchristian.com/newsletter/

Financially Confident Christian Blog
https://www.financiallyconfidentchristian.com/blog/

Support the Show
https://www.financiallyconfidentchristian.com/p/support/

What is your question that you would like to ask Ralph? Send Your Question here: https://www.financiallyconfidentchristian.com/contact/

Join our email list and get a free copy of "Mastering Your Finances" at https://www.financiallyconfidentchristian.com/master

Schedule an Appointment with Saggio Management Group, Inc.
https://app.acuityscheduling.com/schedule/fabfb9f2/appointment/8258839/calendar/2141336?appointmentTypeIds[]=8258839

The Ask Ralph Media Podcast has been honored as the Best Christian Finance Podcast in the U.S. for 2025 by Best of Best Review. This prestigious award recognizes the show’s unwavering commitment to blending biblical wisdom with practical financial guidance, empowering listeners to make wise money decisions rooted in faith. Through its concise, impactful 10–12 minute episodes, the Ask Ralph Podcast has inspired and equipped audiences nationwide, standing out among countless voices in the finance and faith space.
https://bestofbestreview.com/awards/ask-ralph-media-inc-best-christian-finance-podcast-in-the-u-s-of-2025