I have found or let me say I have accepted that I am very big talker. I plan and talk about my plans but I carry out very little.
For example, I told a colleague once that I will ask for donations for a 5km race I was gonna run, then donate that money to a charity.
I talk, I dream but delivery is slow in coming. So I have decided to just do, no big plans about what race, how many kilos, what school for my baby...none of that constant thinking and re-thinking, just decide what I want to do and take steps daily to do it. So I'll probably have a list and just talk less about it until I do something.
It will go something like:
Visit New York
Pay off credit card