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living and Loving with adhd

living and Loving with adhd

  • Writer's pictureJilleun Tenning

Financial Literacy and ADHD

Attention Deficit Hyperactivity Disorder (ADHD) is a neurodevelopmental condition that affects individuals' ability to sustain attention, regulate impulses, and manage time effectively. While the challenges associated with ADHD are well-documented, one area that often goes overlooked is financial literacy. However, understanding and addressing the unique financial needs and considerations of individuals with ADHD can empower them to achieve financial success.

Financial literacy encompasses the knowledge and skills necessary to make informed financial decisions. For individuals with ADHD, managing finances can be particularly challenging due to organization, impulse control, and long-term planning difficulties; however, with targeted interventions and strategies, people with ADHD can be successful. I will explore four direct interventions that can support people with ADHD in developing their financial literacy skills.

Two people sitting in front of laptops working together over a sheet of paper with writing

1. Structured Budgeting Tools

Individuals with ADHD often struggle with organizing and managing their finances. Implementing structured budgeting tools can provide the necessary framework to track expenses and income effectively. Utilizing budgeting apps or spreadsheets that offer visual representations and reminders can help individuals with ADHD stay on top of their financial obligations and make informed spending decisions.

2. Behavioural Strategies for Impulsive Spending

Impulsivity is a common challenge for individuals with ADHD and can lead to impulsive spending habits. Employing behavioural strategies, such as the "stop and think" technique, can help individuals pause before making impulsive purchases. Additionally, establishing a waiting period, such as a 24-hour rule, before making non-essential purchases allows individuals to evaluate whether they truly need or want the item.

3. Reminders and Automation

Forgetfulness and difficulty with organization can hinder individuals with ADHD from managing their finances effectively. Setting up reminders, alerts, and automatic bill payments can provide structure and reduce the cognitive load associated with financial management. By leveraging technology and automation, individuals with ADHD can ensure they meet their financial obligations in a timely manner, reducing the risk of late fees or missed payments.

4. Financial Education and Support

Accessing resources tailored to financial literacy for individuals with ADHD is crucial. Seeking out financial education programs, workshops, or courses specifically designed to address the unique challenges faced by individuals with ADHD can enhance their financial literacy skills. Additionally, joining support groups or seeking guidance from financial advisors who understand ADHD can provide valuable insights, strategies, and accountability.

Addressing the intersection of financial literacy and ADHD is essential for empowering individuals with ADHD to take control of their financial lives. By implementing structured budgeting tools, employing behavioural strategies, leveraging reminders and automation, and seeking appropriate financial education and support, individuals with ADHD can cultivate the necessary skills to make informed financial decisions and achieve their financial goals. With targeted interventions and a supportive environment, financial literacy can become a catalyst for financial success and overall well-being for individuals with ADHD.


Jilleun Tenning's headshot

Jilleun Tenning is a Registered Clinical Counsellor specializing in ADHD. She supports folks with a range of things from day-to-day life coaching to deeper emotional trauma healing work.

Jilleun meets people where they are at and with helps them to foster their skills and confidence in life.


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