[Bookie]

Agree with lrjohnson about the relative impacts of laziness and habit.

Spending habits are costly because they go unexamined, blending invisibly into the weekly routine. One of the benefits of keeping a daily spending record is that it documents the habitual leaks that can bleed a budget. When I started to keep a daily record, I was startled to observe the cumulative impact of minor spending habits over the course of a month. That led to change. Habits can be discarded, revised, or replaced, but I had to become aware of them first.

Laziness, oddly enough, impels me toward greater efficiency. Conservation of time and effort (a nice description of laziness) means eliminating clutter, establishing routines, and minimizing duplication. I buy less, spend less, and waste less because I don't want to complicate my life, and that simplicity leads me to thrift. On-line banking, bulk buying, streamlined cooking -- all save me money, tiime and effort. I never thought about the positive side of laziness until I read the blog posting, but it makes sense and reflects my experience.