Forcastinate: knowing well in advance that you will wait until the last minute to get a task done.
Phil knew that his anniversary was coming up but, just like every year, his tendency to forcastinate would mean that he would be shopping at the last minute
Someone who is addicted to obtaining money and building wealth. A money addict and fanatic. Breadheads often work more than one full-time job, and some even participate in illicit activities to "obtain the bread".