Small problems do not stay the same size while you ignore them. They rehearse. Water finds a wider path, a misunderstanding hardens into a story, a small debt gathers interest, and the moment when a five minute fix was possible passes quietly. What makes the eventual flood expensive is not the problem but the delay.

Make a habit of handling the thing while it is still trivial and slightly embarrassing to mention. Say the awkward sentence now, book the appointment now, patch the leak now. If something has been nagging at you for a month, that is the one to deal with today.