There are ways to make your laziness work to your advantage. One example is automatic bill payment -- once you set it up, it becomes more of a hassle to stop them than to let them continue. Your bills get paid by inertia.
There are other ways that your innate laziness can work for you:
Automatic savings: 10 percent of your paycheck goes into a high-yield account with withdrawal penalties.
Subscribe to groceries: Amazon has a “Subscribe and Save” program that allows you to set up a subscription to common household goods. For things you need on a regular basis, a subscription can save you some last-minute dashes to the store.
Accountability partners: This is a good one for people working towards long-term goals. Find someone to ask you regularly how you’re doing. It will eventually be more stressful to not do something.
Habits: Building any positive behavior into a habit -- such as writing first thing in the morning or going to the gym after work -- is a great use of inertia. Once established, it becomes harder to break your habit than to just do it.