A lot of problems with finances are the direct result of being financially lazy. That is, you know what you should be doing, but you’re just too lazy (or have a convenient excuse) not to do it. And while life is certainly not about making sure every detail of your finances is perfect 24 / 7, most financial laziness comes in the form of financial leaks that could be solved with a small amount of time and effort. Here are 10 signs that you may be financially lazy:
1. You don’t pay off your credit card in full each month.
2. You pay banking fees.
3. You still have your savings in a brick-and-mortar bank.
4. You don’t compare your insurance rates once a year.
5. You have more than an occasional ATM fee.
6. Your phone service is over or under utilized.
7. You have subscriptions you don’t use.
8. You’re not contributing to an IRA.
9. You don’t contribute the full 401(k) match your company offers.
10. You haven’t done your taxes yet.
While this is certainly not an exhaustive list of where you can become financially lazy, it’s a good starting point to take a look at where you might be able to improve your finances. Financial laziness happens to the best of us and it’s good to get a reminder every once in awhile to get off your butt and do the things you know you should be doing.