I have both issues... most of the time I'm too tired to do anything beyond the absolute minimum to keep everyone fed and alive. My bills are sitting in a big stack too, there's money to cover them, but I guess its apathy. (I used to be the sort that paid the bills the day they arrived, so quite a change.)

Then, if I do venture out in the world to replenish supplies to keep everyone fed and alive, I do run the risk of buying things I don't need / don't want / etc.

I think the exhaustion might be related to both the apathy (obvious) and some of my impulsiveness. Its like I'm too tired to make good decisions, so I just throw what I see in the cart and get out of there. Making real solid decisions require effort and thinking, throwing stuff in the cart, not so much.

I've also taken to unnecessarily stocking up on stuff... I was buying medical supplies for my goat's injured leg and ONE package of bandaging wrap would be plenty, but I bought 5. That's probably a couple year's worth, unless my goats all start falling apart at the seams.

There have been other items I've stocked up on for no good reason, can't think of them now. Exhausted from shopping.
Starr