I am a chronic over-scheduler. In general, I say it's because there are so many interesting things to do, and my job isn't one of them. But, alas, I have bills to pay! So I try to maximize my "free time" to the point where I literally fall asleep on the floor mid-post-run-stretch.
This is maybe not the healthiest approach to life...especially since I'm no longer in my twenties, when you can still conceivably beat up your body and get by. So, I'm practicing making "not yet" decisions.
To be clear, this is not a form of procrastination (like my constantly changing outlining of my novel may or may not be). This is for stuff that I'd really like to do, but there is no realistic way for me to do right now. This is not something I get to say about making credit card payments, going grocery shopping, or even scheduling dental appointments. That would be procrastination.
"Not yet" is for great ideas: we should go to Peru! It will be amazing! Yes, I'd love to go to Peru, and I'm sure it will be amazing (I mean, hello, llamas!). But, not yet. Let's put that on the 5-year plan.
"Not yet" is for decisions I don't have to make right now. Would I like to be a life coach? I think so, but I'll need to look into it a lot more. Is this something I can realistically take on right now? No. Well, then not yet. I cannot become a life coach yet.
"Not yet" is about realizing that there is a time/money/energy gap between many of the things I'd like to do, and my current availability to do them. It doesn't mean I can't ever do them, it just means I can't do them YET. It means I'm actively deciding to postpone decision making on things that don't need a decision YET. It means I can relax about some of the nebulous anxiety around ALL OF THE AWESOME THINGS I COULD BE DOING IF ONLY I WASN'T STUCK AT WORK!!! I'm just not doing those awesome things YET. It is not about giving up, or quitting; it is simply about acknowledging limitations, including that I can't possibly be doing everything all of the time.