Reluctance to work of girl carrying fan mag (8)
I believe the answer is:
laziness
'reluctance' is the definition.
(thesaurus)
'girl carrying fan mag' is the wordplay.
'girl' becomes 'lass' (lass can informally mean a girl).
'carrying' is an insertion indicator.
'fan mag' becomes 'zine' (I've seen this in another clue).
'lass' going around 'zine' is 'LAZINESS'.
'to work of' acts as a link.
This may not be right. Some or all of it may belong to another bit of the clue.
Can you help me to learn more?
(Other definitions for laziness that I've seen before include "Lethargy" , "Idleness" , "Indolence, sloth" .)