Have we left any stone unturned? Maybe. In the title of this thread you ask about being lazy and/or irresponsible. Calling yourself names like that -- now that, I see as a problem!

Honestly? I am lazy and irresponsible and I cannot blame it on my hormonal imbalance. I always do task just before the deadline, no matter how much time I have. I do own a lot of clothes and things... I mostly used them all... but I could feed small african village with what I spend on things I don't really need. I sometimes get that guilty feeling.

Meh, maybe I should write "appartment!!!" on my credit card (and have another meme in my vallet where I keep cash) and see how it helps and stop obsessing about myself for a while.