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If I got things done, maybe. When I have to pay fees because I was too lazy to pay a bill in time, I don't see how that's efficient.
Is that laziness or forgetfulness? Like, did you actively decide not to pay your bill on time because you just couldn't be arsed to do so?
Adhd, I always think I can just do it later and then suddenly it is too late.
I've trained myself to do important stuff like paying bills as soon as the task comes up because otherwise I would do the same.
"Oh I can do that later."
Later
"What was I supposed to do? Eh probably wasn't important."
Really sucks when a thing comes up and I really can't do it right away because I'm in the middle of something else, or am away from where I need to do it. 😮💨