How To Overcome Laziness And Save Money In 5 Steps (2024)

How To Overcome Laziness And Save Money In 5 Steps (1)

If you want to overcome laziness and save money then it’s up to you to make changes to your life. Overcoming laziness and procrastination are the hardest things for many people to do that don’t have clear goals in life. Even if they do they probably don’t like the path they are on if they are not willing to change or have some sort of enthusiasm about why they need to get something done.

I’ve heard it all before when it comes to budgeting, how we don’t have time, it’s not worth our time, it makes no sense, but we need to find a way out of debt because we are drowning in it. Own up to your debts and make it right, do something about it.

Not all people are lazy, some people are simply unable to do things on their own and those aren’t the people I’m talking about today. Many people with disabilities or seniors would love to do so much more but are simply unable to do so. Sometimes age, illness and disability come at a premium because you have to hire others to help you get jobs done that you really want to do on your own but you know you can’t.

These folks eat themselves up inside at times because they know people who are perfectly well to do things and just don’t know what they’ve got. It makes saving money and budgeting seem much more appealing and preparing for one day when you might not have the ability to do what you once used to be able to do.

This past week while we were out and about taking care of purchasing materials for our landscape renovation for the house the word “lazy” kept popping up in conversations everywhere we went. It was as if it was telling me to write a post about lazy people and why being lazy is costing you money.

Let’s run down the lazy chat we had this week…

How To Overcome Laziness And Save Money In 5 Steps (2)

Lazy Chat 1

Lazy bum that’s something I’m familiar with from back home in the UK and what we call someone who needs a cure for laziness because they do nothing more than what is required to get on with life. Have you ever been told to “get a move on” or have you had someone try to motivate you to do something because they want to progress or know that you have the knowledge and skills to succeed but you are just being lazy and don’t care?

If you have to ask yourself “am I lazy” then you probably already know the answer to that question. If you are the opposite of lazy you are most likely full of energy and are potentially achieving your goals and accomplishing what you are setting out to do in a timely fashion. That is if you are focused on those goals. Some people can be active yet not taking care of what they should be.

Let’s look at our neighbours up the road as an example. Two adults who are seen washing and waxing their cars more than they take care of a home that was practically given to them by their grandparents. They both have decent jobs and ever since moving into the house it has gone from well cared for to a pile of dung.

Entitled, maybe they do feel entitled since they didn’t have to work for hardly anything as the house landed on their lap. I’m not making this sh*te up either as the previous owner on the home was well-known in our neighbourhood. She had a garage sale and told the neighbours that they were downsizing and giving the home to the grand-kids at bargain basem*nt discount along with all the furniture, tools etc.

If it takes you one month to mow the lawn because you come home after work and would rather sit in front of the television or doing whatever you do while all your neighbours want to buy you a goat, you need to stop being lazy and get your arse in gear and mow the lawn. The last thing you need is a knock on your door from the lawn mowers vigilante group. Don’t worry, he mowed the lawn and gave it a half arsed mohican, left all the clippings on the side-walk, didn’t trim anything and it still looks like crap. Oh well, beggars can’t be choosers I guess, at least it’s cut, kind of. That and the shiny cars make a good distraction for any one walking by.

Being a lazy homeowner can cost you money if you are not careful especially when it comes time to sell and you host an open house. Good thing some potential home buyers can look past others laziness. Maintaining your home is very important and if you let your home fall apart because you spend your money on “wants” rather than “needs” you may be in for the shock of your life.

I’m sure you all know someone who let’s their kingdom fall apart around them, there’s one in almost every neighbourhood. If you can’t afford it or are unable to take care of your property sell it and downsize, move into an apartment or condo or somewhere cheaper that is maintenance free. Letting a house crumble will cost you more money than you think to repair items you fail to take care of.

How To Overcome Laziness And Save Money In 5 Steps (3)

Lazy Chat 2

While picking up our bushes at a local garden centre we were approached by a manager who clearly hated her job. In the 10 minutes at cash her and another employee went on to bash the garden centre and said they were told to go around and reduce items that they would “never pay full price for”. OK, I thought maybe they adults who are earning money and are miserable at doing what they do.

It makes me wonder why people have to be so unhappy when clearly a job is a job and someone else would love to take that job from them. We don’t always get what we want in life and sometimes to make our dreams happen we really need to put our mind to it and do something about it. Whining and complaining never gets anyone, anywhere. Be happy.

She then proceeds to say, “hey, do you think you would want this dead looking bowl of lettuce?” to my wife. Of course we both thought, sure we could use the bowl not thinking about the lettuce and bringing it back to life. We took the bowl and as the order was processingshe was clipping the dead lettuce off and started her lazy talk.

  • Manager: I don’t even grow plants, I don’t even know how to make a salad, I just buy them. (with a smirky, who cares attitude)
  • Mrs. CBB: Oh, really? So you pay to buy your salads already prepared for you, rather than making one for cheaper?
  • Manager: Yes, it’s not like I don’t know how to make a salad (insert smirks again), I’m just being lazy and it’s easier when it’s already made for me.
  • Mrs. CBB: (in her head) You’re an idiot! It’s a salad for crying out loud. Only because this girl is young and not even willing to try to make a salad. what is she going to do if and when she actually finds a partner to marry, has kids and has to prepare meals? I don’t know many couples who fancy eating out of a box every day and if you don’t know how to cook, invest some time into learning and experimenting.

Is this more of the entitled attitude, “I make money so I can spend it however I want to” because someone might just get a reality check down the road. Sometimes it’s not until we hit our 30’s and some 40’s when we say, oh no, what have I done? Then the regret sets in and they look back and say, why did I do this or why didn’t I do that? Don’t make that be you.Entitled, maybe until the bills or life and reality set in.

Salads are so easy to make (here’s a recipe for a quick tomato salad) and cost a fortune pre-made but clearly there is a market for them. Just look at grocery stores today as they are littered with convenience foods that make the business a fortune. Although time is money we have to get real and draw the line somewhere. Maybe this is why some people are not learning how to cook because they rely on these “take it and go” type meals. If saving money on groceries is part of your plan, stay away from prepared meals you’re bound to spend far more than you need to.

We are only a few days in and the salad bowl is picking up and doing fine. In no time we will be enjoying salads made from this salad bowl in which she could have taken home herself and cared for, free. We all know that grocery shopping can eat up a big chunk of the budget so if you want to save money, plan how you are spending your money wisely.

Lazy Chat 3

We had a dentist appointment last week and as I laid in the dentist chair I immediately remember the blog post Catherine at Plunged In Debt had just posted about lessons learned in the dentist officewelfare and teen pregnancy. It’s mainly about the things people say and it makes you wonder why they think the way they do. It was my hygienist this time that gets third spot in my lazy chat.

She was asking how my week was going and I told her about the landscaping project I was doing that was well overdue. She goes on to tell me how she doesn’t worry about the front yard as much and focuses only gardening in the back. My husband “isn’t into gardening” much as he likes his sports so I’m the one with the green thumb.

In her words, “I’m just too lazy to worry about the front garden”, really??? There’s that lazy word, again! It was haunting me all last week and maybe because I was so damn tired from all the landscaping hours I was putting in, plus my job and blogging like a nutterthat the word lazy was FAR from my vocabulary. Sometimes I wonder if I need to be lazy just to keep it simple stupid, but I don’t think that will make me happy. Keeping active is just a part of my lifestyle although I know when to balance my life with some R &R even if it’s only an hour for me or a small getaway for the two of us.

Why own a home if you don’t care about it? The talk went on and on with me mumbling in between the cleaning, uh huh and other noises just to make like I was listening (not that I had a choice). We hire a boy to mow our lawn once in a while and pay him $20 just to keep it cut every week, she ended the conversation and moved on to talking about her son.

I ask at the end, how big is your property? She says, I don’t know exactly, but it’s not that big at all, it’s around a 30 x 115 lot. Yes, shaking my head was exactly what I was doing. So they pay this kid around $80 a month at $20 a week give or take x amount of weeks per month to do something that would probably only take less than 15-20 minutes if that. Let’s be generous and say 30 minutes x 4 weeks, so around 2 hours a month, cash at $40 an hour. Nice pay and summer job for a studentor anyone looking to earn some extra money, I’d do it too!

How To Overcome Laziness In 5 Steps

  • Get More Sleep: Sleep debt is what some people call it, when you start banking those hours of sleep you lost but the problem is, you can’t get them back. I know many of you are saying, but we have kids or my job is demanding. It’s true people have lives that are hectic but if you don’t look after yourself your health can quickly deteriorate. There are no magic hours of sleep numbers as each person has individual needs based on a number of factors in my opinion. I think we just need to listen to our bodies but not go overboard. If you are falling asleep at the wheel of your car of you just stop caring about things or find you are getting depressed from being tired work on your sleeping habits. I like to stick to about 8 hours if I can although I know that it’s not always realistic but trying to standardize sleeping habits and patterns has helped me work thorough this.
  • Set RealisticLong-Term and Short-Term Goals: Make a list, that’s what I do and as I finish one task I scratch it off and I move on to the next item in order of importance. Don’t just type out your to-do list on the computer, print it out and put it somewhere you see it, every day. There are days where I want to accomplish a few small tasks and others where I designate a large task to get done but if I don’t see what I need to do, then I’ll likely forget about it. This is why things start piling up in people’s lives and then they give up. There’s something about using a list that motivates me to get the job done, so if it works for you I encourage you to take control now.
  • Plan Of Action: Don’t just start your weekend off not knowing what you need in order to get a task completed. If you don’t have the ingredients for a recipe at home, how can you make the recipe? Utilize time slots, even small ones to plan your goals for the day or week so you pick up items you need so they are ready to go. If you have to do research on something don’t wait until the day of to get it done. Be smart and plan ahead.
  • Act On Your Goals: It’s one thing to write out a list of goals or a to-do list for a time period but if you don’t actually do something a bout it then it simply becomes a list that means nothing.
  • Reward Yourself: If you find doing chores to be uninteresting and meaningless to you even if it making improvements then give yourself a treat when you accomplish something on your list. It doesn’t have to be big, in fact it might just be a few minutes to yourself reading a book, something you want to do but never get around to. If you accomplish weeding your garden and mowing the lawn and you want to enjoy a pizza night to celebrate your efforts, then do so. Just remember that no everything you do in life should be rewarded or will be rewarded. Don’t set your self up for failure with false expectations whether in your personal life or your work life. Not many bosses will throw you a biscuit just because you showed up for work, and worked.

It was Winston Churchill who said during World War II “He/She who fails to plan is planning to fail“, so make sure you are one step or even a few steps ahead of yourself to stay the course. Life waits for no one so if you want that promotion or if you want to accomplish goals around the house, put a battery in it and get a move on. My plan of action is to Think, Set, Plan, Do, Reward so IThink-Reward which helps motivate me in all aspects of my life, even if it is to save money.

How do you motivate yourself to leave lazy behind and get what you need to get done?

How To Overcome Laziness And Save Money In 5 Steps (4)

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How To Overcome Laziness And Save Money In 5 Steps (2024)

FAQs

What are the 5 steps to save money? ›

5 simple steps to start saving
  • Set one specific goal. Rather than socking away money into a savings account, set specific goals for your savings. ...
  • Budget for savings. Just because you decide to save doesn't mean it's going to happen. ...
  • Make saving automatic. ...
  • Keep separate accounts. ...
  • Monitor & watch it grow.

How to overcome laziness step by step? ›

How to overcome laziness
  1. Make your goals manageable. Setting unrealistic goals and taking on too much can lead to burnout. ...
  2. Don't expect yourself to be perfect. ...
  3. Use positive instead of negative self-talk. ...
  4. Create a plan of action. ...
  5. Use your strengths. ...
  6. Recognize your accomplishments along the way. ...
  7. Ask for help. ...
  8. Avoid distraction.
Apr 2, 2019

What are the four steps to saving money? ›

Let's start with your monthly budget.
  • Step 1: Make a budget. A written budget maps out your income and expenses by showing where your money goes, month-to-month. ...
  • Step 2: Plan your savings. That extra money can build for the future. ...
  • Step 3: Manage your debt. ...
  • Step 4: Invest.

How to wisely save money? ›

10 Best Ways to Save Money
  1. Eliminate Your Debt. If you're trying to save money through budgeting but still carrying a large debt burden, start with your debt. ...
  2. Set Savings Goals. ...
  3. Pay Yourself First. ...
  4. Stop Smoking. ...
  5. Take a Staycation. ...
  6. Spend to Save. ...
  7. Utility Savings. ...
  8. Pack Your Lunch.

What is the rule of 5 savings? ›

How about this instead - the 50/15/5 rule? It's our simple rule of thumb for saving and spending: aiming to allocate no more than 50% of take-home pay to essential expenses, 15% of pre-tax income to retirement savings, and 5% of take-home pay to short term savings.

What is the 50 15 5 easy trick for saving and spending? ›

50 - Consider allocating no more than 50 percent of take-home pay to essential expenses. 15 - Try to save 15 percent of pretax income (including employer contributions) for retirement. 5 - Save for the unexpected by keeping 5 percent of take-home pay in short-term savings for unplanned expenses.

What kills laziness? ›

Exercise to reduce laziness.

They have more confidence. They're more productive and energetic. And yes—people who exercise are a heck of a lot less lazy than those who neglect to do so. If you want to beat laziness, start exercising.

What is the main cause of laziness? ›

Laziness may reflect a lack of self-esteem, a lack of positive recognition by others, a lack of discipline stemming from low self-confidence, or a lack of interest in the activity or belief in its efficacy. Laziness may manifest as procrastination or vacillation.

What is the golden rule of saving money? ›

One of the most widely used and simple to comprehend budgeting strategies is the 50-30-20 rule. The rule says that a person should divide his/her take-home salary into three categories: needs (50%) wants (30%) and savings (20%).

What are the 4 rules of money? ›

The Four Fundamental Rules of Personal Finance

Spend less than you make. Spend way less than you make, and save the rest. Earn more money. Make your money earn more money.

What is the 10 rule for saving money? ›

The 10% rule of investing states that you must save 10% of your income in order to maintain a comfortable lifestyle during retirement. This strategy, of course, isn't meant for everyone as it doesn't account for age, needs, lifestyle, and location.

How to aggressively save money? ›

Aggressive Saving: Should You Go for It?
  1. Reduce expenses to realize your aggressive savings plan. ...
  2. Immediately save your additional income so you don't spend it all. ...
  3. Start looking for ways to earn additional income on a regular basis. ...
  4. Save in a Saving Pocket. ...
  5. Save by locking money in a Locked Pocket.
Apr 19, 2024

What is the secret to saving money? ›

Set savings goals

One of the best ways to save money is to set a goal. Start by thinking about what you might want to save for—both in the short term (one to three years) and the long term (four or more years). Then estimate how much money you'll need and how long it might take you to save it.

What is the 3 saving rule? ›

The idea is to divide your income into three categories, spending 50% on needs, 30% on wants, and 20% on savings. Learn more about the 50/30/20 budget rule and if it's right for you.

What is the 5% rule for saving? ›

How about this instead—the 50/15/5 rule? It's our simple guideline for saving and spending: Aim to allocate no more than 50% of take-home pay to essential expenses, save 15% of pretax income for retirement savings, and keep 5% of take-home pay for short-term savings.

What is the $5 savings method? ›

$5 A Day Challenge

If you save $5 everyday, you will save $1,825 in just a year. That's a great way to save for a starter emergency fund. It may be easier to save weekly if you are going to deduct it from your paycheck. You would need to set aside $35 a week to save the same amount.

What is the 30 day rule? ›

The premise of the 30-day savings rule is straightforward: When faced with the temptation of an impulse purchase, wait 30 days before committing to the buy. During this time, take the opportunity to evaluate the necessity and impact of the purchase on your overall financial goals.

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