Nonjwspouse, I know you posted this a month ago, but while reading this it struck me that your husband's behavior sounds consistent with ADHD.
My son has it and I know my husband does, too, but he won't go to a doctor.
The problems with time management, financial skills, long-term planning, problems in school, etc., these are executive function problems. ADHD is a deficit in executive functioning. You can be highly intelligent and still have problems functioning, despite the best of intentions. I see this disorder in my classroom, too, and your description sounds very consistent with behaviors I've seen in the classroom and with my family.
Also, it's highly heritable. If your daughter is having trouble functioning in school, especially if she is intelligent, have her screened! Your famiky doctor can do it and provide a screening questionnaire to her teacher. Intelligent students who struggle because of this disorder can become very demotivated and eventually give up. It's terrible to watch a kid that needs medical help struggle in the classroom when the parents can't be convinced to have them screened.
Also, you don't have to have the hyperactive variant to have ADHD. Girls especially often just seem inattentive and disorganized. Hyperactive young boys may even seem to outgrow the hyperactivity, but the inattention is usually still disabling.
Consider having both of them screened. The money thing...that is my husband! We just agree that I'm in charge of finances because he refuses to sit down and go over them. He doesn't like it sometimes when I tell him he can't buy something or to stop spending money, but I just tell him that he chose to not sit down with me to do the finances so he forced me to be the responsible one. I really wish he would go get the diagnosis I know he has. He could be so much more...together, and his life would be easier.
My son got the diagnosis in elementary school, finally found the right medicine, and now in high school he is on Honor Roll! For awhile I was worried, but I'm feeling good about his future now.
Sorry for rambling. Just thought I'd give you my observation in case it could help.