Cold cereal cold self Tuesday

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feckless

adjective
1. ineffective; incompetent; futile: feckless attempts to repair the plumbing.
2. having no sense of responsibility; indifferent; lazy.

http://dictionary.reference.com/browse/feckless


Because Rachel spent her savings on an XBox instead of investing it like she had originally planned, her mother berated her and called her a feckless spendthrift.


Phrase taken from Diana Wynne Jones's Howl's Moving Castle.