Tax Day is a horror for many procrastinators.

For many people, a little procrastination isn't harmful - like 15 minutes lost in Facebook or putting off doing the laundry for a few days.

But then there are things like taxes. And all the people who keep meaning to start saving for retirement , but never do. And people with obesity or diabetes who constantly tell themselves, "I'll start eating right tomorrow" - but never do. For some people, p rocrastination creates huge problems at work, at school, and at home.