Accountability

I'm going to say that I normally do what I say and say what I do.  Mostly. But from time to time I find there are areas where the best intentions don't translate to the actions that I know need to be taken.  What is it that gets in the way?  What is it for you?  Time?  Money?  What reasons and excuses do you make for either being inactive or taking the wrong actions?  As Nike says, JUST DO IT!