A private excuse stays powerful while it is never required to become specific.

Vague reasons survive because nothing ever tests them. Not enough time, not the right moment, not ready yet: each holds up perfectly as long as it stays a feeling and never has to name a number, a date, or a missing thing. The moment you make it specific, it either becomes a real obstacle you can work on or it quietly falls apart.

Take one thing you have been putting off and write the reason in a single concrete sentence. Not a mood, but a fact: how many hours, how much money, which conversation. Then look at what you wrote and decide whether it is a problem or a habit.