To cut or not to cut

Yesterday was Ink Circles Monday, which meant that it was time for Blackstone Fantasy Garden.  Progress was minimal but I did finish the third loop of the middle cross

While I was working last night I once again considered the fabric.  It's 32 count linen opalescent - linen which I am not a fan of.  But that is not why I was considering the fabric - no I was considering the size the fabric.  The piece is too big for a fat quarter - so I got a fat half, which is too big.

I haven't cut the fabric to size yet.  I admit it I'm a wimp when it comes to cutting fabric, so I keep procrastinating - I know at some point I have to do it. Why does fabric cutting have to be so scary?