I'm reading a book called "Personal Efficiency Program." No, it's not a current NYT bestseller. Hey, I'm lazy, ok? It's taken me a while to get to it. Here's their link: http://www.ibt-pep.com/)
Here's the short version, applied to finance: http://www.getrichslowly.org/blog/2007/09/20/getting-to-now-how-to-beat-the-procrastination-habit/
Even shorter, the basic message is DO IT NOW. Yes, it's that simple. So why is it soooo hard?
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