It is Saturday December 21 and I am in line behind a woman at the UPS store. She has three small, light weight boxes that “simply must get to Florida before Christmas.” These are Christmas gifts but of insufficient value to require insurance.  

The store clerk measures and weighs the boxes and pronounces the total cost to “guarantee getting them to Florida before Christmas.”  Total cost? $290!

The customer says she “had hoped it would not be that much.” The clerk responds, “The closer we get to Christmas the higher the rate is to guarantee delivery.” The customer asks if she could split the cost between two credit cards because both of her cards are “nearly maxed out.” The clerk answers in the affirmative.

My guess, and it is likely a good guess, is that this woman is routinely wasting money, maxing out her credit cards and suffering a bad credit rating simply because she is a world-class procrastinator.

Here is my advice to those who are procrastinators. Don’t wait to stop procrastinating.