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The High Cost of "One Day I'll..."

October 24, 20253 min read

The High Cost of “One Day I’ll…”

“One day I’ll get my books in order.”
“One day I’ll look at where the cash is really going.”
“One day I’ll stop flying blind with my finances.”

Cute.
But also… expensive as hell.

If you’ve been muttering “one day” for months or years, let’s talk.
Because that little delay tactic isn’t just harmless procrastination.
It’s a silent profit-killer.

It feels innocent. Optimistic, even.
You’re not saying no, just later.

But “later” is where messy books, surprise tax bills, and panic-mode decisions live rent-free. “Later” is the graveyard for your momentum.


The Loop You're Probably Stuck In

Let’s call it what it is, an addiction.
Here’s how it sneaks in:

🔍 Recognition:
You spot the red flags, payouts don’t match reports, QuickBooks looks like a crime scene, and your gut’s starting to sound like denial.

🧠 Intention:
You make a plan for “after this launch.”
“After I hire.”
“After tax season.”
(Spoiler: That’s now.)

😌 Temporary Relief:
Deciding to handle it later gives you a quick hit of calm. You avoid spreadsheets and responsibility in one move. Feels good, right?

🔁 Re-entry:
A few weeks (or quarters) pass. Same problems, now with more transactions, more confusion, and a bonus layer of shame.

That’s not just avoidance.
That’s a cycle.
And it’s draining your time, money, and confidence.


The Real Price of Delaying

Every time you punt your finances to “future you,” it compounds, not just in fees and fines, but in decisions made with half-baked data.

  • You guess instead of knowing.

  • You build on shaky numbers.

  • You waste time solving the wrong problems.

And the emotional toll? It’s real.

  • Second-guessing every move.

  • Worrying if you can afford that next hire.

  • Scaling with a side of “oh God, I hope this works.”

Here’s the truth:
You can’t grow what you refuse to look at.
Clarity doesn’t show up after the chaos; it starts when you stop hiding from it.


How to Break the "One Day" Addiction

It’s not about a total overhaul.
It’s about interrupting the loop the moment your brain whispers “not now.”

🗓 1. Replace “One Day” with “Today.”
Pick one action, even a 15-minute money check-in, and do it this week.

🧐 2. Swap Shame for Curiosity.
Messy books don’t mean you’re bad at business. They’re data, and data tells the truth. Look at it without judgment and see what it’s trying to show you.

🧩 3. Get Real About Capacity.
If you could’ve handled it by now, you would’ve. That’s not failure, that’s a sign you need help, not more “hustle.”

🎯 4. Anchor It to What You Actually Want.
You didn’t build this business to drown in spreadsheets. You built it for freedom.
And freedom requires structure. Chaos won’t get you there.


Before Q4 Bites You in the A$$

This is not the season to cross your fingers and hope things sort themselves out.
Year-end chaos is expensive and preventable.

If “one day I’ll fix this” is still bouncing around your brain…
Drag that lie into the light and bury it for good.


💬Here's Your Move

If you’re done playing financial whack-a-mole, if your gut is sick of carrying what your numbers should be telling you…

👉 Schedule a call.


No jargon. No shame. Just straight talk, sharp systems, and clarity that actually sticks.

You don’t need a CFO title.
You just need books that tell the truth.

Let’s make that happen before “later” turns into another missed quarter.

Lisa Leffler is a Fractional Controller and Founder of Fiscallytics, providing bookkeeping, catch-up, and cleanup services for coaches and bookkeepers. She writes about money management, business systems, and the habits that drive profitable, stress-free growth.

Lisa Leffler

Lisa Leffler is a Fractional Controller and Founder of Fiscallytics, providing bookkeeping, catch-up, and cleanup services for coaches and bookkeepers. She writes about money management, business systems, and the habits that drive profitable, stress-free growth.

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