Whoops, in a rare case of doing something too quickly, that got away too soon. Also wanted to say that I loved RDB's master card analogy, which I am going to use, and that I can completely relate to Verte's point that in the end the frustrating thing is that the task itself is always so much easier than the pain we put ourselves through putting it off. I am always saying to myself -- now that was not so hard.
I also try and do the whole play it forward thing, and tell myself that I need to act so that my future self can be happy. Works sometimes...