I use this proverb "The most important time is now" to remind myself when I am feeling a little lazy.
I remember my life at my parents house, I did not need to worry anything at all. We had food on table when we were hungry and bed was ready when it was time to sleep. I only needed to worry about my exams and studies at school and university. When I said, my life at my parents place, it was until about I was 26yr of age or in other words, until I got married.
After getting married, I migrated to the Great Britain with my husband for our career and further degrees. Then, I realised how stressful it could be to live ourselves. Not only studying anymore, but I had to cook, did the house chores and ensured all bills were paid, banks were sorted, random documents (eg; Tax form, CRB etc etc) were filled in and sent back and the list could go on endlessly. Some of them, I just left them in my "to do list" to do them when I was free.