Procrastination Is something that is very hard to beat when you have been doing it for a long time. I'm a victim of it, and to be honest with you, it has dealt with me in many ways. Sometimes I put the blames on my lazy self.
Borrowing and not paying is one thing I didn't learn, I might run out of money to do something, but before borrowing, I check my next week or month's income, if I can squeeze space for the payback, then I go ahead but if not I endure.

(Maybe it's because I haven't gotten any serious money problems before😌)
I have seen a lot of people being insulted and disgraced because of that act and I just don't want to be a victim of that, i can't endure the shame😅.

Great post you made, I really enjoyed my time.