Rather than retreating into your personal cocoon when a situation becomes intimidating, address it immediately. The longer you allow a situation to sit without attention, the more urgent it will become. A perfect example is debt.
Avoid cornering yourself with urgency by creating a proactive plan now. Or, better yet, have a just-in-case plan before the event ever happens. It's okay to take a few hours to create a plan of attack. But, if you're still brainstorming weeks from today, you may be stalling.
Only you can be the source of a solution. You are in charge of managing your life and ensuring its success. Take pride in this power. After all, you're free - no one commands you! Your life is what you make it. And you can use your power to start off on the right foot each and every day.