I’m lazy. There. I said it. And I think because I’m lazy, I by default find the most efficient ways to accomplish my to do’s. Because the less hard I have to work at it, the more likely I am to accomplish it. Planners are all the rage lately, and spending $50+ on a planner each year, not including accessories, has quickly become the trend. The time invested in to bullet journals and the like is so cool if that’s your thing. But this lazy, frugal mama just doesn’t have the time to dedicate to that much planner prep. Nor do I want to invest that type of money in…