The Cost of Procrastination Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time. Share | Have A Question About This Topic? Name Email Address Question Thank you! Oops! Related Content 3 Ways to Save Without Tax Deferral Tax deferral versus tax-efficient vehicles like Roth 4019k)s, Roth IRAs and Life Insurance. How to Cut Your Expenses Living with confidence means living within your means. managers. The 12 Steps to Living Confidently: How to Cut Your Expenses The advice about cutting expenses makes it sound downright unappealing. No wonder many of us haven’t learned to finance well.