The inability to start and finish things (lack of motivation) suggests there may be an element of low-level depression at play here.
That said, it's up to your mother to sort out her own business. You can certainly make suggestions, but I am not sure that that would be wise. If your mother seems happy with life the way it is, let it be. Sometimes the best course of action, no matter how frustrating it may seem, is to do nothing.
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If I am not better, at least I am different. --Jean-Jacques Rousseau
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