Other times procrastinate on starting that Big Project due to a fear of failure.

FORBES: 6 Mind-Traps That Block Cash Flow

As governments procrastinate on a truly global problem, piracy will become a larger and deeper rooted problem.

FORBES: Pirates Selling Shares As Piracy Hits All Time High

You can use the time to track your budget, discuss investment strategies, and review important topics that people often procrastinate on such as taxes and insurance.

FORBES: 5 Ways Love and Marriage Can Make You Wealthier

Since many instructors deducted points for tardiness, it was pointless to procrastinate working on that essay or concoct elaborate excuses about why you were five minutes late to class.

FORBES: EFFICIENCY: You don��t have time �C you make it.

However, left unchecked, those fears can drive us to cling on to the hope that if we procrastinate long enough, our situation will improve, or our misgivings will magically evaporate and be replaced with newfound clarity and courage.

FORBES: Why You Procrastinate, and How to Stop It. Now.

"You see a lot more people on Facebook during exams since they are already at the computer and it is easy to access and procrastinate, " the student said.

WSJ: Please Wait, This Column on the Facebook IPO Is Browsing Its Friends' Updates