Musar על ראש השנה 31:6

The fifth way in which repentance can be aroused is when the Ten Days of Repentance draw near, then every man should arouse his heart and tremble as he goes to meet the Day of Judgment, for he should ponder that all of his deeds are written in a book, and that at this time God will bring to judgment every deed and every hidden thing, whether it be good or bad. For a man is judged on Rosh Hashanah, and his decree is sealed on the Day of Atonement (Rosh Hashana 16a). Now, if a man were to be brought for judgment before a king of flesh and blood would he not tremble with a great trembling, and would he not take counsel with his soul? And it would not occur to him to do any other thing, than to find some merit that might save him from that judgment. Therefore, how foolish and stupid are those who do not know what their judgment will be, and yet they occupy themselves with idle things other than the repentance that would find favor before the Great Judge!