If you find yourself waiting for your laptop, make it faster.
This includes for things like loading webpages primarily. Why? Because that stuff like paying bills online or loading specific pages introduces friction into things that you should just be getting done.
If you do not have money to do it? There are plenty of alternatives. A desktop will be faster for longer for the same price. And when it gets old / outdated it will be cheaper to replace. Why? Because you just have to replace the components. Even cheaper if you can do the parts replacement yourself (relatively simple). But even if not, you can keep your monitor, keyboard, and mouse at least.
Or you can use your phone.
Or find faster ways to load pages, ex. simple page viewer mode.
But if you can, a faster laptop is more useful than pretty much any other electronic device.
Upgrade your laptop and have a basic phone.