You have a huge project looming yet you can't tear yourself away from Kylie Jenner's latest posts to Instagram. Your quarterly report is due tomorrow afternoon, yet baking an apple pie from scratch seems like a much better (and tastier) idea for now. Urgent emails are filling your inbox, but catching up on your Harry Potter series is all you can think about. Sounds like procrastination and there's a reason you're putting important work off 'till the last minute.

Your tendency to not get on top of things is not (entirely) your fault, but with some insight into the issue, you can take control of your destiny. There are actual reasons you're procrastinating and ways to change your behavior. See if any of these 3 reasons sound familiar. You can get on a better path once you realize the roadblocks ahead of you. But remember, read this NOW, don't put it off for later!

You Don't Want to Do It

Sometimes procrastination occurs when we simply don't feel like doing something. Have you ever let the garbage pail nearly overflow because you didn't feel like bagging it up and taking it to the curb? It's not particularly pleasant, so putting it off as long as possible seems like a reasonable reaction. But as we all know, the trash won't wind up outside unless you finally take it out. And don't you always wish you've done it sooner (i.e. before it starts to stink)?

Same goes for work-related items. Generally speaking, we don't want to do something because we deem it unpleasant (or boring). As per Psychology Today, "The most significant predictor of procrastination is a task that's considered unpleasant, boring, or uninteresting." We can even become lazy about the task(s) at hand and never seem to find the motivation to make a dent in the project.

What to do? According to Forbes, perhaps this project isn't necessary at all. "If you really don't want to do it, could you abandon the task entirely and save yourself the wasted time in putting it off?" If this is really an option, then move on to something that will actually move the needle. However, if totally ditching the task isn't doable, develop a plan.

Psychology Today recommends, "One strategy is to divide and conquer. Shift your focus from the ultimate goal to a series of easy to complete, intermediate tasks. Another strategy is to form an if-then plan to automate goal striving—e.g., if I turn on the computer, I will first work on my assignment for 45 minutes."

While some tasks aren't the most exciting, they won't become any more intriguing as time passes. Just gear up and do it. Thinking about it hour after hour and day after day will only supply you with more reasons to procrastinate. Break up the task into digestible bits and it won't seem so terrible.

Failure is a Worry

While procrastinating when you've got so much to do seems counterintuitive, many of us do so when we are fearful that we may not be successful in the endeavor. The possibility of failure is one of the biggest triggers leading to procrastination.

As per Lifehack, "Of course you cannot fail at something when you don't do it at all. Unfortunately, this is an unproductive way of thinking. Facing your fear of failure will help you eventually overcome that fear, or learn to manage it."

Put it this way. You'll definitely fail if you don't do your work at all. But you have a chance to succeed or at the very least, learn something of value, if you delve in and try. Psychology Today notes, "When difficulties arise, people with weak self-confidence easily develop doubts about their ability to accomplish the task at hand, while those with strong beliefs are more likely to continue their efforts. When low self-confidence causes people to avoid activities, they miss opportunities to acquire new knowledge and skills."

If you were assigned a project at work, your manager or boss believes in you. He or she trusts you have the abilities to succeed. Use their encouragement to fuel your desire to get to work and do a great job.

You're Unstructured

Without a sense of structure or proper planning, it's easy to put off a project that needs a timeline in order to work on it to completion effectively. You may not know where or how to start, so you just don't.

According to Psychology Today, "The collapse of the delay between impulse and decision inevitably favors impulse (e.g., checking Facebook instead of doing work); our easy online access makes urges easy to gratify. One solution to this is to design your environment in a way that makes your desired goal more likely to happen."

You can create a summary of the project or an organizational flow chart. Lay out the items that must be finished before you can move on to the other tasks. If you are working on a group project, assign specific tasks to the members of the group so the work doesn't seem so overwhelming.

In the meantime, remove yourself from distractions like social media and other work that's not as pressing, but more interesting to you. You can get to those things later. Give yourself the best chance to succeed – a clear mind and environment. You will then have the ability to focus and finish.

Are you motivated to get to work without delay? Understanding the reasons why you're putting off important work gives you the chance to do things the right way. Now get to it!

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I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.

My buddies and I always try to make it out to a game, but we never really care which one we end up at. Obviously we have our favorite sports and teams, but it was rarely about what game we went to or who we saw playing. It was about watching the game live.

In the early months of lockdown, all we had was Korean baseball, and trust me, we loved it. The only issue was, none of us had any idea what the commentators were saying. Even then, a few of my friends weren't huge fans of baseball. They were into sports like football and basketball, ones that moved at a quicker pace with less down-time in between plays.

We decided to see if there were any other events going down and came across horse racing. Yes, horse racing. It was perfect--short, fast-paced, and most importantly, an opportunity for betting.

I had never really considered watching a horse race any time other than the Belmont Stakes, but the prospects of the sport seemed exhilarating. Even better, with horse racing we knew we could still recreate the atmosphere of a race track. Salty snacks? Check. Stale beer? Check. A simple and easy way to bet? Check.

One quick Google search later, we came across TVG, powered by FanDuel. It's an online betting platform that takes you right to the heart of the action. We were a little apprehensive about using a mobile app to place our bets, but TVG's ability to bet on live horse races from all over the world was too good to pass up.

Here are 5 reasons why we are obsessed with horse racing thanks to TVG:

1. Betting has never been easier

Use your phone or computer to watch and bet on live horse races in real-time. TVG offers a bunch of features to make betting even simpler--live odds and handicapping tips leverage recent learnings to help you make your best bet. Not to mention, TVG's exclusive race content and wagering guide offers an under-the-hood look into the strategy behind horse race betting.

2. The biggest selection of horse races out there

If you're looking to drop a little dough on a horse race, chances are your best option is your local race track. But watching the same few horses races over and over again isn't the most exciting thing. With TVG you have access to over 150 tracks worldwide with races happening consistently throughout the day.

3. Get a generous sign-up offer when you place your first bet

Once you register your account, you will be eligible for a $200 risk-free bet. All you have to do is place your first bet and you're covered. If you happen to lose, TVG will insure you for up to $200 as a sort of wagering credit. I may have been a little trigger happy when placing my first bet, so having this insurance was a great perk. There are also a bunch of promotional offers available year-round.

4. Making deposits and cashing out at the touch of button

With a ton of payment options such as PayPal, BetCash, debit/credit, wire transfers, and other third-party services, making a deposit is a breeze. But what about the payout? Depending on your deposit method, your withdrawal will be available in a few days. No more waiting in-line to collect your winnings!

5. Watching live races with your friends while betting is exhilarating

Even when we were watching Korean baseball, Zoom calls with my friends were a little dull.

With TVG, we haven't had this sort of fun in months! Every weekend we'll turn on a race and throw our bets in. After a few races, and quite a few drinks, we'll tally up our winnings to see who won the most! Sometimes it's not even about making money, but just having a good time.

TVG is the perfect way to add a little excitement to an otherwise mundane afternoon. It introduced me to the world of horse racing, a sport I never would have considered otherwise.

The races just keep ramping up and thanks to TVG, I can always get in on the fun.

UPDATE: The biggest derby in horse racing is THIS WEEKEND. Get in on the action with your $200 risk-free bet!

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