It's true -being lazy could actually save you some cash. While there are many situations where leaving it to the last minute or later will end up costing you, these circumstances may leave you with more cash in your wallet if you hold out. (Have the deals come to you! Check out Ways To Get The Best Deals In Your Inbox.)
TUTORIAL: Budgeting Basics
Wait for a Group Deal
Know you need to get your hair cut soon? Keep an eye on group coupon sites like Groupon, Dealfind, Swarmjam and many more. You won't even have to make the effort of checking the sites each day; the daily deal can be emailed automatically to you by each website. For even less effort, look for blogs that compile the daily deals for your particular city. You will only have to check one site rather than opening ten emails. Group buying sites can save you anywhere from 50-95% off the price of a service or item, so it's well worth the wait! (Learn more in The Economics Of Group Buying Sites.)
Pick a Single Discount Store
These days of extreme couponing may make you feel guilty for not constantly comparing prices and only buying from the store with the best price on a given item. However, spending hours comparison shopping may take you away from billable hours elsewhere - and it certainly doesn't fit in with your lazy lifestyle! Driving around to six stores to save $1.45 on granola bars is also not an efficient use of your time (or your car's gas). Pick one store that has competitive prices on the items you use the most and spend the most on, and save yourself the extra trips around town.
Travel is the top spot to save in this category. If you're flexible on where, when and how, consider booking a last minute deals on any number of reputable travel websites. You could end up saving 50% or more on your trip. Watch for cash-back promotions as well, and be sure to check the hotel ratings to ensure you know what you're buying. Be wary though - if you're booking direct from an airline, the last minute option may end up costing you hundreds more than booking in advance.
Another way to lazy save on your vacation is to seek out a travel agent. One phone call or visit and they will do all the legwork of finding you a great deal.
Bundle and Save
Booking a travel package could mean saving on the cost of flights, hotels and even car rentals. Some packages may also include guided tours or tickets to local attractions. A quick search for standard costs in these areas will let you know if you're getting a deal, and booking everything at once will save you the time and hassle of checking out multiple individual rates and tracking all of the booking documentation. (Find out more in Couponing 101: Dos and Don'ts.)
This tip isn't just for travel; the option to bundle services such as cell phone, internet and cable TV has been around for a while. Just make sure the bundled price actually saves you money; if you didn't intend to get cable TV, adding it in just to save 10% on your cell phone bill won't leave you with any extra money in your pocket.
Too lazy to go out? Your budget will be pleased. A night in can cost nothing if you're curling up with a good book or board game, and will likely be cheaper than the same activity out. For example, think about the difference in price tag between renting a movie and going to see one. That can really add up!
Even if don't want to cook, getting take out rather than going out to a restaurant may still save you money - you'll be less tempted to order appetizers, desserts, and drinks. The truly lazy may have to factor in the cost of delivery and tip, but picking up the food on your way home from work will help you save even those costs. (Get more out of your restaurant budget in 8 Tips For Stretching Your Dining-Out Dollars.)
Automatic Transfers & Payments
Set it and forget it! By setting up automatic transfers between your bank accounts and automatic withdrawals for your bill payments, you won't have to worry about late payments ever again. As a bonus, you may find this system much easier - just don't forget to have sufficient funds in your accounts, or you'll not only be stressed but you'll also have to foot the bill for any insufficient funds charges from your bank. (Keep your change - check out 5 Ways To Trick Yourself Into Saving Money.)
It's a simple tip, but a good one - be conscious of the number of car trips you make. With a bit of forethought, you can combine your errand trips and save yourself time, effort, and money on gas. Considering what you really need to buy and where can also help you decide if the item in question is worth the effort - and the cash.
The Bottom Line
If you're the laid back type, it doesn't mean you can't score a great deal. Just make sure your laziness doesn't end up costing you in late fees or convenience charges. However, if holding out means you luck out and get to take advantage of a great sale, your friends may come asking you for tips.