Avoid calling your husband lazy, a liar, or a loser. Your husband will start thinking that he is indeed one of those things, and it will make it harder for him to change, and it may even reinforce it in his mind. What you should do instead of saying it outright is to explain your feelings further.
Let's say that your husband was not able to keep a promise that he made to you. Instead of calling him out on what he did, you can instead tell him that you were disappointed in him because he has kept his promises in the past. Always give your husband some room to feel that he can be better.