There’s a special kind of madness that comes with adulthood. A silent, creeping understanding that you’re supposed to be doing things that keep the wheels of life turning: paying bills on time, checking your credit score, and occasionally (when you’re feeling particularly masochistic) creating a fucking budget.
It started innocently enough. Six years ago, I settled in a semi-rural corner of Vancouver Island, thinking I was being clever. “I’ll avoid the insanity of big city prices,” I told myself, “but still be close enough to civilization.” What I didn’t account for was that even being within 30 minutes of Victoria would mean watching housing prices climb to levels that feel like straight-up extortion. The plan was simple: one, maybe two years tops. Get situated, figure things out, then decide whether to fully commit or move somewhere else in Canada where I wouldn’t need to sell a kidney to exist. Somewhere my bank account could actually breathe instead of gasping for air five days before payday.
But here I am, six years later, still throwing obscene amounts of money into the gaping maw of high-cost island living, having somehow convinced myself that “temporary” is a relative concept that can stretch across half a decade. The guilt keeps me anchored here. My 80-year-old parents are nearby, needing someone close who gives a shit. Meanwhile, my brother’s living his best life in LA, apparently unburdened by such trivial concepts as “familial responsibility” and happily taking their money while I play the dutiful offspring. Not that I’m bitter or anything.
So I did what any reasonable adult would do: I decided to finally sit down and conduct a thorough financial audit. Map out exactly where my money was going. Create a budget. Make an actual plan for my future that doesn’t involve working until I’m 90. Figure out, once and for all, if staying in Island-That-Costs-Too-Fucking-Much was financially sustainable or if I needed to pack up and move to Affordable-ville.
That was a little over a week ago.
What I have not done since then: a single calculation related to my finances.
What I have done instead: created an entire fantasy world, complete with gods, history, cultures, maps, cosmology, lineages, character bibles, and twelve completed chapters of what’s shaping up to be the first installment in a trilogy.
If procrastination were an Olympic sport, I’d be standing on the podium with a gold medal around my neck, anthem playing, tears streaming down my face. Twelve chapters in a week? That’s not just procrastination; that’s procrastination with a fucking vengeance.
It started with a whisper from my brain, that treacherous organ that’s supposed to have my best interests at heart but clearly has other priorities: “I bet you could write a book! Wouldn’t that be more fun?”
More fun than calculating how much money I’m hemorrhaging each month? Than facing the cold, hard numbers that might force me to make an actual life decision? Than acknowledging that my financial situation might be precarious enough to warrant immediate attention? Than admitting I might need to leave my aging parents behind just to afford existing?
Yeah, no shit it would be more fun.
And just like that, I was off. It was like my mind had been waiting for this moment, keeping a fantasy world on standby for precisely this occasion. Not just any fantasy world, mind you, but one carefully designed to address all the complaints I’ve read on romantasy subreddits (yes, I read those too; procrastination has many goddamn layers).
The world of the Shattered Seas was born—a maritime world of islands and archipelagos, where continents are merely legends whispered by drunken sailors. Why a world of islands? I have no fucking clue. Maybe because islands have clear boundaries, unlike my spending habits. Maybe because I already live on an island but wish it were one far away from my financial responsibilities. The subconscious is a wild place with a shitty sense of humor.
Instead of focusing on my dwindling savings account, I found myself obsessing over why fantasy protagonists are always teenagers who somehow defeat ancient warriors with minimal training. My protagonist Ceridwen (named after a Welsh goddess of rebirth, because why not be pretentious when you’re avoiding adult responsibilities?) is 29 — an actual adult who makes somewhat reasonable decisions. A cartographer who’s good with a sword but wins fights through spatial awareness rather than magical teen hormones. God forbid we have a protagonist who acts like she’s been alive long enough to learn things.
And because apparently I wasn’t procrastinating hard enough, I created Casimir, the Umbral King: a hot vampire monarch love interest who’s both brooding and surprisingly decent once you get past the whole “I rule from the shadows and occasionally drink blood” thing. Because, shockingly, another complaint in romantasy forums is “there aren’t enough vampires,” and apparently my procrastinating brain has decided that the world’s most pressing issue isn’t climate change or my financial instability or my guilt about potentially abandoning my elderly parents, but a vampire shortage in modern literature.
There’s something deeply fucked up about the fact that it took me six years to work up the nerve to face my financial situation, and then less than eight hours to create an entire cosmological system for a fictional universe complete with divine hierarchies and ancient blood feuds.
Let me paint you a picture of my current reality: my living room floor is covered in index cards, each one containing a plot point or character development moment. There are string connections that make my house look like a detective’s office in a crime show. Except instead of tracking a serial killer, I’m mapping out the emotional journey of a fictional cartographer who has to decide whether to marry the Umbral King as bound by her ancestor being signatory to the 700-year-old Shadow and Sea Accord. Just normal stuff you think about when you should be balancing your chequebook.
I fall asleep thinking about plot holes that need fixing. I wake up at 3 AM mumbling dialogue into voice memos on my phone. “Ceridwen needs to more deeply explore the implications of the Weave unraveling in chapter 14…” Meanwhile, my bank statements remain unopened, gathering metaphorical dust in my inbox like archaeological artifacts from a civilization that actually had its shit together.
I’m pricing out whiteboards (actual, physical whiteboards) to better organize my fantasy world and track the intrusion of void creatures from between planes of existence. The irony is not lost on me that I’m planning to spend money I should be tracking on tools to help me procrastinate tracking my money. It’s like buying an expensive treadmill to avoid going for a run, except I’m buying whiteboards to avoid confronting why I’m still living thirty minutes from Victoria when I could probably afford a small castle in New Brunswick.
There’s something comforting about creating a world where you make all the rules. Where a 29-year-old woman can be competent without question and nobody fucking mansplains cartography to her. Where problems can be solved with a well-placed sword thrust or a clever bit of magic. Where the borders are clear, the gods have defined roles, and the protagonist always has enough money for a drink at the tavern without checking her bank balance first. Where the biggest problem is the literal fabric of reality unraveling, not the fabric of your financial security.
In the Shattered Seas, there are no surprise bank fees. No housing markets gone insane. No guilt about leaving elderly parents (we probably shouldn’t delve into why Ceri’s an orphan). No decisions about whether to move across the country to save money. There’s just adventure and romance and cosmic horror as the Veil between planes disintegrates and void creatures slip through the cracks.
I’ve spent hours (okay fine, days) designing the political structures and histories of islands no bigger than Great Britain or Honshu. I’ve created origin stories for gods that don’t exist. I’ve mapped ocean currents and trade routes and argued with myself about the realistic sailing times between fictional ports. I’ve developed an entire metaphysical framework for how reality is woven together and the consequences of its unraveling. I’ve crafted a centuries-old magical accord between shadow beings and seafaring mortals.
All to avoid a simple question: can I afford to keep living here, or am I staying out of guilt?
The worst part? I’m good at this procrastination project. Really good. Those twelve chapters written in a week? They’re not half bad. The world-building? Kind of impressive, if I’m being honest. The characters? They feel real to me in a way that’s slightly concerning. Like, should I be worried that I’ve spent more time thinking about Ceridwen’s motivations than my own?
I’ve created a protagonist who’s brave enough to face void creatures from beyond reality while I’m too scared to look at my own bank balance. I’ve written an entire chapter where she decides whether to honor an ancient accord by marrying a vampire king she’s never met, while I can’t decide whether to open a spreadsheet. There’s a metaphor in there somewhere, but I’m deliberately ignoring it because acknowledging it would mean I’d have to do something about it.
Sometimes I wonder if this is all just an elaborate form of self-care. Maybe my brain knows that I’m not ready to make the big decision about moving away from my parents, so it’s giving me this beautiful distraction instead. A place to pour my energy that feels productive, even if it’s not addressing the actual problem.
Or maybe I’m just exceptionally good at avoiding uncomfortable tasks. Maybe this is the boss level of procrastination — so elaborate and involved that it feels like an accomplishment rather than avoidance. “I didn’t deal with my finances, but I DID write twelve chapters in seven days, so who’s the real winner here?” (Spoiler alert: still not me.)
The other night, I was deep into writing Chapter 5, where Ceridwen has to make a difficult choice: honor the Shadow and Sea Accord by marrying Casimir or break an agreement her ancestor signed hundreds of years ago and risk supernatural consequences. I wrote three different versions of the scene before I realized what I was doing.
I’m not just procrastinating my financial audit; I’m processing my own life choices through fiction. I’m giving my protagonist the dilemma I’m avoiding, hoping that somehow, by writing her through it, I’ll find my own answer. Should she stay or should she go? Should she honor old commitments or seek new horizons? Should she keep sacrificing for obligations that aren’t really hers?
It would be profound if it weren’t so fucking ridiculous. It’s like my subconscious is trying to work through my issues while wearing a Halloween costume and speaking in metaphors.
Here’s the truth I’m avoiding: moving would be hard. I’ve built a life here over six years. Acquaintances, favorite hiking trails, that pizza place with the dough that somehow makes spending $40 for a medium pizza feel acceptable. Starting over somewhere new, even somewhere more affordable, would mean rebuilding.
Moving would also mean leaving my parents behind. They’re 80. That fact sits in my chest like a stone. My brother floated away to LA without a backward glance, happily letting me shoulder the weight of proximity. But if I leave too, who checks on them? Who helps when the power goes out or when Dad can’t drive anymore?
But staying might be financially unsustainable. Every day that passes without me looking at the actual numbers is another day I might be digging myself deeper into a hole I can’t climb out of.
So I build my fantasy world instead. I expand the mythology. I develop a magic system based on the Weave that binds reality together. I create complex interpersonal relationships between characters who exist only in my mind. I detail the cosmology of a universe where void creatures slip through the cracks when reality begins to fray.
And I price out whiteboards. The nice ones with the aluminum frame that don’t stain easily and wheels so I can hide my madness from visitors. Because if I’m going to avoid reality, I might as well do it with quality materials and proper organization.
There’s a point where procrastination becomes something else. Something more like avoidance. Something closer to fear. Something that feels almost like grief.
I’m afraid of what those numbers might tell me. Afraid they’ll confirm what I already suspect: that I’ve spent six years making a financially unsound choice out of guilt and obligation. That I should have moved years ago. That I’ve wasted time and money I can’t get back. That I might have to choose between my financial health and being the good daughter.
It’s easier to worry about whether the fabric of reality in my fantasy world would actually unravel from the center outward than to face that possibility.
So my protagonist continues her journey while my own remains paused. She maps unknown territories while I avoid examining my own landscape. She faces void creatures and vampire politics while I hide from Excel spreadsheets and budget templates.
I wonder sometimes what the outcome will be. Will I finish this trilogy before I ever look at my finances? Will Ceridwen and Casimir find their happily-ever-after before I figure out if I should stay or go? Will I become a published fantasy author out of sheer commitment to avoiding financial responsibility?
Wait. Hold up.
What if that’s exactly what happens? What if this fever-dream of procrastination actually turns into something? What if the Shattered Seas becomes the next big fantasy series? What if this whole time, I’ve been avoiding a financial audit only to accidentally solve my financial problems through the most elaborate procrastination scheme in history?
Now that would be a plot twist worthy of fiction.
And honestly? The writing isn’t half bad. Twelve chapters in a week isn’t just avoidance; it’s a kind of manic productivity that sometimes births actual quality. People say they’d pay good money for stories about competent adult women and hot vampire kings. They eat that shit up with a spoon and ask for seconds (#buymybook).
Maybe this isn’t procrastination. Maybe it’s my subconscious pushing me toward an unexpected solution. Maybe the void creatures from between planes are actually metaphors for opportunity, lurking just beyond my perception.
Or maybe that’s just another elaborate justification for not digging into my financials. It’s hard to tell at this point.
For now, my living room remains an explosion of index cards and printer paper with frantic notes. My phone continues to fill with middle-of-the-night plot inspirations. The Shattered Seas expands daily, new islands and cultures emerging from the fog of my procrastination. The Weave continues to unravel, void creatures continue to slip through, and Ceridwen continues to navigate her complicated feelings for the Umbral King.
And somewhere, buried under manuscripts and character sketches, my potential Real Adult Budget wait patiently for the day I finally choose reality over fantasy.
That day is coming. Probably. Eventually.
Right after I finish the trilogy. Or get a publishing deal. Whichever comes first.
In the meantime, I need to decide on that whiteboard. The one with the aluminum frame is a little pricier, but it’ll last longer. And if I’m going to map out the slow unraveling of reality, I should probably do it properly.