Senza un promemoria, finisco per rimandare tutto all’ultimo momento.

Because Italian often leaves out subject pronouns when the verb already makes the subject clear.

• finisco means I end up or literally I finish
• the -o ending tells you the subject is I

So Io finisco per rimandare tutto... is possible, but io is not necessary unless you want emphasis.

Senza means without.

In this sentence, Senza un promemoria sets up the condition or circumstance:

• Senza un promemoria = Without a reminder
• then the main clause explains what happens in that situation

It is very common to begin a sentence this way in Italian.

Yes. Promemoria is treated as a masculine noun, so it takes un in the singular:

• un promemoria

A useful thing to remember is that promemoria is generally invariable, so the plural is also usually:

• i promemoria

Even though the word ends in -a, it is not feminine here.

This is a very common Italian structure. Finire per + infinitive means:

• to end up doing something
• to wind up doing something

So:

• finisco per rimandare = I end up postponing / I wind up putting off

It often suggests that this is the final result, sometimes against your intentions.

Because after finisco per, Italian uses an infinitive.

So the pattern is:

• finisco per + infinitive

Examples:

• finisco per dimenticare = I end up forgetting
• finisci per accettare = you end up accepting

That is why you get rimandare, not rimando.

No. Rimandare can have different meanings depending on context, including:

• to postpone / put off
• to send back
• to refer someone elsewhere

Here, because the object is tutto and the phrase all’ultimo momento follows, the meaning is clearly:

• to postpone / put off

So rimandare tutto means to put everything off.

Because tutto is the direct object of rimandare.

• rimandare tutto = to postpone everything

This is normal word order in Italian:

• verb + object

You could sometimes move things around for emphasis, but rimandare tutto is the most straightforward and natural order here.

All’ultimo momento means at the last moment or at the last minute.

The apostrophe appears because this is a contraction and elision:

• a + l’ultimo momento → all’ultimo momento

More specifically:

• the article is l’ because ultimo begins with a vowel
• a combines with that article, giving all’

So this is completely normal Italian spelling.

In Italian, adjectives like ultimo usually come before the noun in this kind of fixed expression.

So the natural phrase is:

• l’ultimo momento

and not normally:

• il momento ultimo

The expression all’ultimo momento is a standard idiomatic phrase.

Yes, you could, but the nuance changes slightly.

• senza un promemoria = without a reminder / without some kind of reminder
• senza promemoria = more general, like without reminders or without any reminder system

In this sentence, senza un promemoria sounds very natural because it refers to the lack of a reminder in a concrete, everyday way.

Not exactly.

• all’ultimo momento = at the last moment / at the last minute
• fino all’ultimo momento = until the last moment

So in your sentence:

• rimandare tutto all’ultimo momento means you delay things and only deal with them at the last minute

If you said fino all’ultimo momento, the focus would be more on something continuing up to that final point.

Usually, it sounds like a habit or tendency.

That is because the present tense in Italian often expresses general behavior:

• finisco per rimandare tutto = I tend to end up putting everything off

So the sentence suggests a recurring pattern: without a reminder, this is what usually happens.