According to new research by Nationwide Building Society, leaving things to the last minute could be costing you £449 a year – that’s a massive £29,200 over a lifetime.

The national survey of 2000 UK adults revealed nearly two in three of us self-identify as procrastinators, with technology having a huge part to play in us putting things off; 24% of us check our phones to delay decision making.

And what decisions are we particularly bad at? According to the survey, 50% of those involved were paying the price for leaving it late to find gifts (probably because of those last-minute delivery charges), while not putting money into a savings account (38%) and planning holidays last minute (30%) were other things we put off doing.

Terrible at decision making? Here’s how much that’s costing you