Which of the following is cited in the text as one of the reasons people might procrastinate?

The two key elements of self-discipline are_________ and self-determination.

Skills are the result of______ combined with experience.

The three steps to managing time are analyzing how you use your time,__________, and creating a plan for your time.

Psychologists believe that negative thinking can leave you vulnerable to disease and illness, including_______, which is characterized by profound feelings of sadness and loss of hope.

The four basic communication skills are reading, writing,________, and speaking.

A(n)________ is a money-management plan that specifies how you will spend your money during a particular period of time, usually one month.

A(n)_________ represents an outcome that you want to achieve and toward which you direct your effort.

An important component in the development of self-discipline is____________, which is the ability to make independent, proactive decisions and to accept the consequences of those choices.

The text defines__________ as personal preferences for specific topics and activities.