So… I actually teach a financial class at my church (… actually… starts up again soon. Need to get ready… )
It’s not (necessarily) an ADHD thing, though it doesn’t do you any favors. A lot of people were never taught the discipline of how to create a budget and stick to it. This is, naturally, an easier task for those w/o ADHD and/or has a spouse w/o ADHD, but it CAN be done.
The real basics of it is this: Make a monthly money plan BEFORE the month begins. You probably know what you pay is gonna look like, or pretty close to it. So, take the worst number you think you might get, and when you are gonna get it, and plan how it is going to be spent, down the very last penny. Leave nothing unspent on paper.
“But Judas,” You say, “What about fun money? Things I see I want?”
Well, spend it… on paper. Before you even know you are going to see the thing.
Make a category that is Blow Money, and toss some money in it.
Make a Date night category. Make one for things like Spotify, etc.
Know that you will have X amount of dollars JUST for things like this… and since it was planned for… IT’S GUILT FREE!!! WAHOO!
Now, it tends to take about 3 months to get right… cause you know… there is that thing you forgot about, or that one bill that is every two months, or whatever. Just keep going.
Also… somethings are best to use CASH on. Get some envelopes, a marker, and some cashey money. Put names of categories on the envelopes, Date night, blow money, fuel, and groceries are good ones to do, for sure. Take your pre-planned amount, and when you get paid put that amount in its given envelope.
When your envelope runs out? You’re done. Until you get paid. That’s it. And no shuffling money without checking with the spouse! Then you gotta go back to your plan (the budget) and rejigger it to work with moving the money.
If you wanna ask more, feel free, but I am at work, so I gotta… you know… work.