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extracted from Forbes.Com

Laziness Is Costing You Money. Laziness has been a scourge of humanity for millennia. Forbes asked a slew of experts, in fields ranging from personal finance to health care, to estimate the not-so-hidden costs or our laziness, and to demonstrate what little you can do — because in many cases that's all it takes — to turn things around. Here are some highlights.

Content to keep money in traditional brick-and-mortar banks.

Not Opening a Retirement Fund as soon as possible
Old age comes quick, and you'll need a serious retirement stash if you want to ride it out in any kind of style. Too bad for those who don't bother to set up a retirement account — one that can automatically draw a certain percentage from each pay check without you having to lift a finger.

Not Bothering to Negotiate a Better Deal
"It never hurts to ask" isn't just a bromide — it's a serious penny-pincher. According to a recent poll by the Consumer Reports National Research Center, roughly 80% of haggling Americans were able to win better deals on hotel rates, cellphone bills and clothing; more than 70% paid less for electronics and furniture. Landlords? They're ready to negotiate too, especially in this nasty real estate market.

Not Paying Your Credit Card Bill on Time
Laziness trumps logic, especially when it comes to the five minutes it takes to hop online and stave off late fees on your credit card bill.

Not Finding a Deal on Smaller, Regular Purchases
Saving a few cents on an impulse buy at the store may not seem worth the effort, but finding deals on regular purchases can save mounds of green.

Not Sending in Rebate Offers
Anyone who walks away from rebates is giving money away.

Not Making a Grocery List
Here's a classic example of how laziness can sneak up on you. Not taking the two minutes to jot down what you need at the grocery store increases the likelihood you'll buy items you don't really need--be it that extra gallon of milk because you forgot there's one sitting in your refrigerator or that box of irresistible Nutter Butter cookies (to go with the milk, natch). Too lazy to make it to the store, let alone scratch out a game plan? Shop online. Every grocer from ShopRite to Trader Joe's has a Web site that makes it easy to compare prices and ignore temptation; you might not even have to pay for delivery.

Not Selling Stuff You Don't Use Online
eBay. "Just go on, set up an account and sell." Yes, it's that easy.

Not Rooting Through Your Change for Valuable Coins
A penny saved is ... several hundred dollars.

Not Going the Extra Inch
We all know that staying in shape shaves society's overall health care bill. It would be one thing if you needed to run marathons to stave off heart disease or diabetes--but you don't. Even moderate activity, in small bursts, can have an impact. Walk a little farther for lunch; take an extra few flights of stairs; churn some earth in a garden. Every little bit helps--especially when you're lazy.