I'm also deeply lazy. Here, in no particular order, is what works for us.
-As many bills as possible are auto-drafted so I don't need to remember to pay them.
-I have one financial goal at a time. I keep a list or priorities, and when one is accomplished I move on to the next one. Current priorities look like this.
- Pay off the credit card balance.
- Keep the emergency fund at 3 month's of living expenses.
- Fully fund my IRA.
- Fully fund my husband's IRA.
- Pay off my student loans in order of interest and then size.
- Save up a down payment on a house.
CodeMonkey's business income is handled separately. I run our budget on the assumption that it doesn't exist, because I prefer not to count on it. Going forward, any money he makes there after expenses and self-employment taxes will be going into a Self-Employment 401k. This will, with any luck, leave his business making no taxable income at all in 2013.
-I track our net worth at the end of every month and have net worth goals I try to reach on an annual basis. Monthly tracking keeps me in line.
-We both have IRAs from previous jobs that I need to roll over into Vanguard IRAs. That's a project for the second quarter of 2013.
-At the moment, all our retirement assets held by Vanguard are in age-appropriate target date retirement funds. Down the road I would like to get more involved in actively managing our investments, but that's not a priority right now and these funds do well enough.
-The whole system probably takes less than an hour a week to manage, so it's very easy.