Make it Automated
by Justin Lukasavige

My wife will be the first to tell you that I am pretty darn lazy. While I do not have much downtime in my day, she knows that while I'm working, I'm doing it as efficiently as I can. I call it… being efficiently lazy.

While you may think that I am trying to put a positive spin on a negative trait, I see it much different. My life is important, and my time is valuable, so I do everything in my power to make the most of each day. The number one pointer I can give you as you strive to become more efficient in your laziness is to make as many things automated as possible.

I have written in past newsletters about saving for certain expenses each month, rather than having to find the money to pay a huge bill all at once. For instance, if you spend $600 at Christmas, wouldn't it be nice to save just $50 each month and have $600 at the end of the year, rather than trying to figure out where the money will come from in December?

My wife Christine and I add each of those yearly savings goals together and divide by 12. The lazy part comes in because we do not even have to think about the number. See, it is automatically transferred from our bank account each month. By making it automated, it frees us up to focus on more important things, but it also gives us the immediate benefit of knowing that it will actually get done.

The best type of account to use for your short and long-term savings is a money market account such as ING Direct, HSBC or GMAC Bank. You want easy access to you cash, but no risk in losing any money to a changing stock market.

Improve your efficiency by automating as many parts of your life today.

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