The reason I think not doing expenses on time could

be due to depresion is that doing expense is a relatively simple task - spend a couple of hours and you can get a few thousand bucks back, definitle beats going a few stores just to save a couple of hundred dollars. From prioritizing point of view, people should not delay doing expenses for too long (especially if it invloves a few thousand $). But doing expenses (even though it's not too hard and the return is high) involves some extra effort from their routine job and depressed people hate are annoyed by those things the most...