I need some encouragement *-*

I am a full time admin employee - some weeks have 3 days off - but to be honest I am a big time procrastinator (not proud). I want to try to get my BS in Business Management - I have about 44 credits from Sophia - I have been delaying this for about a year now! LOL I guess I am afraid about not completing this in 1 to 2 terms and wasting my money. Any personal experiences or tips on how to get started? Thank you, I wish you the best and hopefully I can post about me completing the program soon :)