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Mastering your finances: A guide for ADHD adults

With the increasing cost of living many of us have less disposable income than a year ago. Meaning it’s even more important to be in control of your finances.
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Mastering your finances: A guide for ADHD adults


With the increasing cost of living many of us have less disposable income than a year ago. Meaning it’s even more important to be in control of your finances.

Organisation in general is difficult if you have ADHD but organising your finances is another task and can feel overwhelming.

It takes a lot of self-discipline and organisation to keep on top of incomings and outgoings. 

Controlling impulsive spending habits, disregarding future planning and difficulty saving are all symptoms associated with ADHD. 

Losing financial control can make you feel anxious but there are ways to keep on track. We are here to help with our guide to mastering your finances with ADHD. 


Impulsive spending can be a challenge for anyone with ADHD. Try using a cooling-off period before making significant purchases. Take time to test if the purchase fits with your budget and financial goals. 

Martin Lewis, the founder of Money Saving Expert has some great advice for anyone making a purchase. 

He says you should always ask yourself these questions before buying anything. If you answer ‘no’ to any of them, then don’t buy. 

If you’re short of money, you should ask yourself ‘Do I need it?’ and ‘Can I afford it?’. 

If you have money to spare ask yourself ‘Will I use it?’ and ‘Is it worth it?’. 

Martin has some great tips for managing your finances you can find more of them HERE


Having visual reminders can help keep you on track. Due dates, bill payments, and financial tasks can form your reminder list. Use digital calendars, smartphone apps, or alarms to keep yourself organised and efficient. 

Set up automatic payments for recurring bills to ensure you pay them on time. This helps avoid late fees and reduces the cognitive load of remembering many due dates.


Create a budget that matches your financial goals and priorities. Focus on essentials, savings, and debt repayment. Remember to update your budget regularly. Review it at least once a month. You are more likely to stick to it if you review it. 

The key is to jot down your incomings and outgoings. This will show how much disposable income you have left for non-essential items. It is easier to divide it into weekly amounts to create more control over your budget. 

Check your bank often. Look at your direct debits. Are there any unused gym memberships or subscriptions that you could cancel?


Most banks now offer online facilities which make transactions much simpler to complete. To reduce overwhelm limit the number of bank accounts and credit cards you use. This simplifies tracking expenses and makes it easier to stay on top of your financial situation. 


HyperJar is a money management app and prepaid debit card that helps you take control of your money. 

You split your budget into jars and then spend from them. It’s like having separate pockets for different expenses, making it simple to keep track of where your money is going. 

It works with Apple Pay so you can use the app with your Apple devices, making payments a breeze. 

You can even schedule payments into your jars. No more stressing about due dates or missing bill payments. 

The PoketGuard budgeting app lets you set spending limits and keeps track of all your expenses. It even categorises your transactions, so you can see exactly how much money you have left to spend in each category. 

You can set up alerts to give you a heads-up when you’re getting close to hitting your spending limits. No more surprise overdrafts or blowing your budget. 

The ‘In my pocket’ feature tells you how much disposable income you have after paying your bills and saving for your goals. This means you always know the actual amount you can spend. 

Or there is Emma a money management app that helps you take control of your finances with spending, bills, and savings aligned. 

View all your accounts and budgets in one place on the app. You can set budgets and view weekly reports analyzing your spending and expenses. 

Consolidating your financial movements in one place makes it easier to manage. 


If you feel that your spending is out of control, ask for help. Use friends or family members to confide in, make an appointment with your bank manager, or find an independent financial advisor.

A financial advisor can offer guidance on budgeting, saving, and investment tailored to your specific needs. Asking for help early on can prevent difficulties in the future.


If managing your finances is overwhelming, like everything else with ADHD, break it down into small steps. 

If you can’t manage everything, try these three simple steps to start your journey to financial freedom: 

  1. Set up online banking. Here you’ll have your finances at your fingertips. It will be easier to manage if you can see your incomings and outgoings in a simple click.
  1. Find a budgeting app you like. There are lots of free apps to help you manage your finances. Find one to budget your spending and remember to check in on it. 
  2. Remember Martin Lewis’s advice. If you are short of money ask yourself whether you need the item and whether you can afford it. 

Managing finances can be a challenge for anyone, but for those with ADHD, it can feel like an uphill battle. 

With the right strategies and mindset, it is possible to take control of your financial well-being. 

You can introduce techniques to overcome impulsive spending, disorganisation, and poor financial planning. 

Managing finances with ADHD is about finding strategies and systems that work best for your unique needs.


If you are experiencing difficulties managing your ADHD there is support available. 

If you need help managing your ADHD, we specialise in supporting people living with ADHD and their loved ones. Our team of highly experienced clinicians is on hand to provide expert insight, advice, support, and guidance on ADHD and how to best manage and embrace some of the challenges. 

For more information on how we could help you: 

Call 0800 061 4276


Follow us on social media. You can find us on Facebook or Instagram 

Book an ADHD assessment for an adult or a child HERE

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