Nathan is a worrier and often takes a long time to finish his tasks. he also tends to procrastinate on projects that he thinks will be difficult, although he knows he shouldn't. what should he do to better manage his time and prevent excessive anxiety?

Freya realizes she does not have enough in her bank account to use the debit card. she decides to use a credit card instead. which questions should freya answer before using a credit card? check all that apply. can i pay at least the minimum payment each month? can i make payments on time and avoid late fees? will i have to take out a loan? how much in finance charges can i afford to pay? should i talk to a consumer credit counseling service?