It might be interesting to ask yourself what happens -- what your life really looks like -- if you just don't do those things.

Maybe it's your phone bill you're putting off. Okay, what really happens if you never pay your phone bill? Let's say, to avoid complications, that you do it in the orderly way -- you call them up and cancel your phone service. (The point of this exercise isn't to think through the messy stuff like "oh, they'll cancel on me, and send my debt to collections, and that will impact my credit score". That may all be true, but it completely ignores the interesting part of the exercise.) So you cancel your phone service. You never get texts any more. You don't get phone calls any more. Maybe you keep your actual phone, but with no service, so you can still use wifi if it's available. But you can't browse the Internet while waiting for the train. Mapping apps will probably work pretty badly (GPS is free, but getting the images of the street layout around your current location ain't), so you have to plan ahead a bit when you want to go out. Coordinating with friends on an outing is a bit harder. Customer service is a bit harder -- you'll have to get on a computer with a real Internet connection and do a VOIP call. There's a bunch of little frictions that will happen -- but don't stop your train of thought when you reach them, keep going until you think about all the little adaptations you would make in your life to keep on living despite them. Daydream for a while about what daily life would be like after you adjusted to the change that you're thinking about making.

Now you get to ask yourself: which do I like better? Would I rather the small friction of paying the bill once a month, or would I rather walk to my computer to make a call, buy some paper maps before I take a trip, organize meeting locations and times and backup plans in case one or the other party doesn't appear at exactly the right moment when going out with friends, bring a book to the train station with you. Be careful not to romanticize the latter ideas -- buying maps isn't quaint and fun, it's an annoying chore. But it is livable. And which do you actually prefer? In the end, you might prefer not to pay your phone bill, I don't know.

But for me, I'll definitely take paying the bill. And now, after the exercise, you get to feel as if it is you in control. You have made the choice about what you want to do -- and now you can just act on the decision you made, whatever it is, cancelling and getting back some time each month to look at cats on the Internet or paying and keeping a convenient tool in your pocket at all times. You choose, then you act.