A study found that using the car wash when a bucket and sponge would do, not taking advantage of price comparison sites and driving rather than walking are the biggest drains on our finances.
Not cancelling direct debits, putting wet clothes on a radiator rather than a washing line and getting people in to do which we could have carried out ourselves are also commonplace.
Typically the average Brit could save £52 a year just from cancelling pointless direct debit payments.
Washing their own cars would save £68 a year and cleaning windows would save £72 a year.
Nearly half of those polled said they would rather pay someone to do laborious tasks such as cleaning the windows than do it themselves.
And one in ten of the 2000 adults polled by British Bank Aldermore said it's easier to shell out the cash than do the job themselves.
A third of Brits never bother to turn appliances off at the wall, one in three throw out food on a daily basis and 12 per cent say they are too lazy to shop around for insurance and go with the first option.
Similarly one in ten adults said they book more expensive train tickets because they are too lazy to work out the most cost effective deals.
A bone idle 12 per cent said they often keep unwanted clothes because it's too much effort to take them back to the shop.
Simon Healy, Head of Savings for Aldermore, who commissioned the study, said: ''The typical adult is more likely to be too busy to sort out their finances rather than being lazy which we are all guilty of but lots of savings can be made from very simple changes.
''We live in a world where we want everything to be done as quickly as possible so if that means we throw clothes in the tumble dryer and pay for the car to be washed rather than getting our own hands dirty, then that will all come at a cost.
''Many people will not automatically think of the cost when using the car or cranking up the central heating to dry clothes more quickly but it will all add up. Saving as little as £50 each month amounts to £600 and when that is put into a top paying account, this will be even higher once the interest has been added."
The study found that even when shopping for expensive purchases like TV's, cars and mortgage deals one in ten adults said they go for the first deal they come across.
Of those, 43 per cent said they couldn't be bothered to shop around, a third said they didn't have time and one in five said they can afford to spend a bit more so shopping around for the best deal isn't necessary.
Despite this, those who fail to shop around reckon they could have saved £757 over the last few years if they had been a savvy consumer.
Simon Healy, Head of Savings for Aldermore added: ''When making big purchases or when looking for a mortgage or loan or even a savings account, it's important to look for the best deal but the first one will rarely be the most cost effective and I'm staggered the survey revealed that one in ten plumped for the first deal they came across.
''Everyone has to balance time and money, so if you are so hectic that you don't have time to do the more mundane things in life yourself, it may be worth paying someone to do those things for you.
''However it's important to prioritise your spending and to regularly take stock of any direct debits or standing orders you have.
''It's easy to forget long standing direct debits for things like unused gym memberships or subscriptions to magazines or TV channels that you no longer read or watch.
'Our accounts are easy to open and straightforward with long-term reliable rates which don't have any bonuses up front, so if you have a tendency to be sluggish about keeping an eye on your savings to ensure the bonus hasn't expired months ago, you can deposit your savings with Aldermore, knowing you are assured of a great rate."
A third of respondents admitted they were lazy when it comes to their finances - one in twenty parents who completed the poll said they tend to give their children dinner money rather than have the hassles of preparing a packed lunch.
And 10 per cent said they could cancel gym membership they don't make use of.
But lending money can also leave us out of pocket with 36 per cent of people claiming to not bother pursuing people they have lent cash to.
On average the typical person has lent £254 to friends or family which they never got back and were too lazy to chase up.
TOP TEN LAZY SPENDS
- Leaving appliances on standby
- Throwing out uneaten food
- Buying new shoes rather than repairing old ones
- Buying more of everything at the supermarket rather checking what you need
- 'Buying it Now' on auction sites rather than waiting
- Drying clothes in a tumble dryer
- Turning up the central heating to dry clothes
- Staying with the same insurance provider rather than shopping around
- Driving to work rather than walking or cycling
- Not bothering to get a refund on unwanted clothes
Aldermore is a new British bank and one of the best capitalised banks in the UK. With backing provided by AnaCap and Morgan Stanley Alternative Investment Partners, Morgan Stanley's Private Equity Fund of Funds business and new investment from the consortium of funds managed by Goldman Sachs Asset Management, Honeywell Capital Management and the Ohio Public Employees Retirement System, Aldermore raises deposits from consumers and lends to homeowners and small and medium sized businesses.
As a British bank, Aldermore is regulated by the Financial Services Authority and is registered under the Financial Services Compensation Scheme, which means customers' savings are protected up to the statutory limit of £85,000 per person. Aldermore is also a member of the Council of Mortgage Lenders.
Aldermore markets its lending products via professional financial advisers and specialist commercial finance brokers located throughout England and Wales.
About AnaCap Financial Partners
Established in 2005, AnaCap is Europe's largest specialist private equity investment advisor in the financial services sector. Based in London and investing across Europe, AnaCap advises funds with more than €1 billion under management. AnaCap's funds invest in businesses with high growth potential and strong management teams. AnaCap works with management teams to improve infrastructure and business processes. It employs sophisticated, twenty-first century technology to create low cost, scalable, sustainable and highly digital based platforms. AnaCap's day-to-day support allows management to pursue growth strategies in the most efficient and effective manner.
AnaCap's team of professionals also assists investee companies in assessing and reducing key credit and market risks. This expertise in risk and liability management is a key factor in the strong performance of AnaCap's portfolio.
The success of AnaCap's investment strategy and team has attracted investment from highly regarded global institutional investors including Goldman Sachs, Allianz, Morgan Stanley Alternative Investment Partners, Honeywell, State of New Jersey and Adams Street Partners.
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