People cannot put the pedal to the metal all the time. A little laziness is not such a bad thing. Being lazy and chilling will help you reflect upon what you are doing and be more efficient when you work. But laziness definitely needs attention if it starts having a negative impact on your finances.
Here we have seven habits that would allow you to save money:
- Not Taking Advantage of Coupons. Don’t overlook coupons. It might be due to being lazy or too proud. In both cases you are giving up free money. According to statistics, an average family in USA could save up to $1000 per year using coupons. Lazy Fix: Looking for coupons might take a whole afternoon. You don’t necessarily need to do that. There are mobile apps like Coupon Sherpa and Honey web browser extension.
- Last Minute Purchases. Gift shopping and any other kind of shopping might force you to take not the best action. Being forced to meet a deadline, paying for express shipping, not having enough time to research the item purchased – all this leads you astray from the best value for the money. Lazy Fix: Use sites like FreeShipping.org providing free shipping coupons for popular retailers. In most of the cases, taking your time and considering a purchase in advance is worthy.
- Taking First Offer Without Checking Terms. Lots of services you buy are bound by terms and conditions. Hidden terms can cost consumers big money. This is especially true for loans and credit card offers. When the instant gratification impulse takes over you barely think and read the terms for the deal. Lazy Fix: Do a web research to compare interest rates and lending terms. Find out the best deals and don’t take hasty actions.
- Cell Phone Bill. Taking time to look over billing statements could reveal errors and extra fees. Researches show that 85% of mobile users pay for more services than they actually use. Lazy Fix: Monitor your data needs. How much mobile internet you use, how many voice call minutes and text messages. If you see excess service not being used, switch to a lower plan.
- Pay Your Parking Tickets and Fines. Don’t ignore problems and payments. Fines for parking and others can double and triple if not paid in due time. In case you are booted and towed it could impose quite a lot of extra money on your budget. Lazy Fix: Nowadays there are online services to pay fines in most of the cities. You don’t need to go anywhere. There are online payment systems, you won’t need to plan and spend extra time to go for a payment.
- Medical Appointments. It is boring and time consuming to wait in doctor’s office. No doubt about it. But, putting off preventive care could cost you hundreds and thousands afterwards. A typical example is dental care, where omitting regular checkups could turn into a costly and aggressive intervention later on. Lazy Fix: Try an online booking on a website ZocDoc.com. It will connect you to your local medical professionals. Try to find such a service in your area. If there is no such a service, booking an appointment the old-fashioned way is still worth the invested time.
- Pre-Made Meals Instead of Cooking. Cooking requires time and some skills. Many people don’t want to go home and cook after a long day. Pre-made food could be found everywhere. But buying pre-made food for every meal is not that cheap. And we don’t even mention the quality of some of these meals. Lazy Fix: Pick one weekday to do all the preparation work: chopping veggies (this is actually a poor way to deal with veggies and deprive them of all valuable ingredients..). Make a large dish that can turn turn into a few leftover meals (nasty, you cannot have good food skipping the required time to do it). Many foods are still safe to consume after the expiration date as well.