I'm slowly realizing that little things can add up to a lot of unnecessary stress. For example, I find myself being quite impulsive when it comes to little things: "It's only $5, I'll get it" (and a hundred wasted dollars later I wonder where the money goes); "This is annoying ... meh, I'll do it tomorrow" (and of course never get around to it!); "Oh I'll have this snack that's bad for my health just this once" (no, it is NEVER "just this once"!)

However, when it comes to bigger decisions I am suddenly VERY inhibited: I refuse to invest enough money in myself or higher quality things because it looks like a huge purchase I can't quite justify; I refuse to take logical risks that might have a good outcome because it "feels too risky"; I want to develop a major habit change but think "can I handle this? Probably not, so oh well"; I might want to get advice from someone much more successful than myself in some aspect of life, but then rationalize that it won't work for me or I'm just bothering them so I have a "social anxiety moment".

I seem to be simply too risk averse and underconfident in general, so I compensate for it with small but self-defeating lapses in self discipline. Has anyone had success with defeating these kinds of behaviors? I can see the problems, but behavioral change is proving to be annoyingly hard.