pay off a bill

I’m starting this week.
I’m paying one damn overdue, bad debt, yada yada, yada bill!
I have to start somewhere and sometime. I truly believe that I have to be one of the biggest cowards I’ve ever met! Instead of taking the bold and brave steps I sit in the back corner of a room and sit on my hands.
I do nothing – and wonder why my life seems to be stuck in a rut! It’s no mystery – I think I like it here and am also scared of happiness and/or a change. How pathetic!