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6 Ways To Manage Money With ADHD


Managing money takes a lot of organisation. All too often it’s out of sight and therefore out of mind. It’s quite common for people with ADHD to struggle to control their spending habits. This can lead to a great deal of stress and anxiety. Here are some tips to help get your spending habits under control.

Create A Spending Plan

This takes a while, but you only have to do it once. Note down how much comes into your account, what you spend on bills, food, mortgage/rent and other essentials. Then work out how much you can afford for non-essentials without taking you to the absolute limit. Divide this into weekly amounts you can spend. If the thought of analysing your spending like this worries you, ask someone you trust to do it with you.

Set Spending Limits

There are a number of ways you can do this. One way is to track your cash by withdrawing a set amount at the same time each week. That way the only money you need to track is what’s in your wallet. You can also give yourself an allowance in another account. As well as the account your main income goes into, set up a separate account just for non-essential items. Once the money in your second account is spent, do not allow yourself any more until your next payday.

Paying Bills

Pay all bills online and where possible have them set up as direct debits and standing orders. Have all bills leaving your account on the same day so it’s clear how much money is left. If there are payments you have to make manually at certain times, get used to leaving yourself reminders on your phone, calendar, diary or wherever you are most likely to look. 

If big annual payments such as car insurance always take you by surprise and are difficult to handle, set them up as monthly. It’s easier to have payments spread throughout the year than in lump sums.

Use An Online Banking App

This is the easiest and quickest way to see exactly what you are spending. Get into the habit of checking it regularly so you can keep on top of your finances. If you can, set it so you get notifications about income and outgoings. That will make you more aware of what’s happening to your money.

Save Up

People are more likely to keep money in savings once it’s there. They are also less likely to spend it if they have to take action to do it. So set up automatic savings payments that leave your account on payday. Savings quickly add up and you’ll soon be able to afford the house deposit or holiday you want to book. It’s also really satisfying to be able to buy something after saving up for a long time.

Talk About Money

There’s still a big stigma attached to talking about money but doesn’t keep it shrouded in secrecy make it harder to deal with problems? You don’t need to run down the street shouting about your finances, but it is okay to talk about money with people you trust.

Other Ideas

If you’re a compulsive buyer, make sure you also get into the habit of selling on items before you buy new ones. Selling in this way not only gives you back some cash, but it’s actually quite enjoyable too.

If you put some of these ideas into practice and face up to any issues you have around spending, over time organising money gets easier. To really change bad money habits for good, you need to do it in a way that suits you. Keep it simple and consistent. That way, there will be fewer surprises and you will feel more in control of your finances.

Get Expert Help

At The ADHD Centre, we offer ADHD assessments and evidence-based treatment packages for both children and adults. Contact us on 0800 061 4276  or by email at

The ADHD Centre also offers holistic ADHD treatment and cares for both children and adults. We are also affiliated with other ADHD clinics and organisations to maximise our services. Are you living in the UK? Lovely! We also offer an ADHD Online Assessment via Zoom for Healthcare. So wherever you are in the UK, know that the ADHD Centre is always available for your ADHD needs.

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