Outside of the here-and-now, day-to-day, there are two types of activities I waste my time on. There is the resolution of deficits, which for me means paying back loans, cleaning my house, fixing all of my broken things, finishing paperwork, taking proper care of health issues, etc. And then there are the extra-curricular activities... those activities that make me "better", but that I don't need to be doing, or getting any better at, for my livelihood.
While extra-curricular is great—essential even—I'm finding that such activities are best left for a time when I am at the liberty of being truly debt-free: a zero-item to-do list.
I'm continually amazed at how much planning and analysis makes a difference in everything! If I sit down and update my list of what needs to be resolved, I will know how much I have to do and how to get there, yet again.
I might not be able to have it right now, but if I get this fixed now, when I do have it, it will be so much better.
Side-note: Any given person, thing, or environment has its limitations. However, the recognition of a limitation is also the recognition of an opportunity for improvement, if you allow yourself to see it that way.