I sometimes don't finish my quilt tops because the joy was in the creating / piecing of the quilt top. The rest is a chore. I can't afford to send mine out to be quilted either, so when I have a quilt I'm making for a gift, I will take the time to quilt it ... sometimes with procrastinating first.
Recently I've made 2 batik quilt tops for myself and I'm procrastinating again but I definitely want to finish them after the holidays ... a late gift to me.
warm quilt hugs, sue in CA