Procrastination is supposedly the thief of time. But at least it can earn a decent interest rate.

A couple weeks ago my car stalled in the middle of the street. Later that day I discovered it had major problems and I would be shopping around for a new one.

Last week my front door, hanging on for dear life since my wife and I became home owners, took a turn for the worst. It jammed itself shut, requiring that we take it off its hinges and remove the lock. That prompted us to go hunting for a new door.

We have yet to buy either.

The car hasn't stalled again, and I continue to drive to and from work each day.

I fixed the door myself and it currently works better than it ever has.

In the meantime, I've got that moolah (that we didn't spend) earning a cool 0.05% interest in a checking account. Yup, that's right. I've already earned about 3 cents just by putting off car and home improvements.

The real kicker is that I could have put the money into an online savings account earning over 5%. I already have one open and linked to the checking account. It's just that I'm too lazy to transfer the money.

But I'm sure I'll get around to it sooner or later.