The cost? That means we have to take a hard look at our life and to be brutally honest. For example: What do I need to deal with - to stop putting off, does peer pressure impact me, do my plans or possessions distract me from a growing faith?
If you have so struggles, remember the following is a great place to start (in prayer):
help me to spend them as I should." Psalm 90: 12 (doing right, feels right)