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September 22, 2024

Fancy meeting you here. Wondering how to stop spending money on ADHD, too are we?

Here are a few steps to take to figure out how to spend less.

How to Stop Spending Money Adhd Version

Usher the Sale

Know you’re going to buy something? Feeling that burning desire to purchase? Buy something you need.

Toothpaste.

Rice.

Handsoap.

Quinoa.

I love quinoa. It’s like the best deal on the internet.

Show the energy of buying something that we’re going to buy anyway.

Invest Instead of Spend

Want to buy a Starbucks? Buy a lil stock instead.

Make your coffee at home. Or drink water. Probably, you need water.

They say doing a headstand or a handstand for 30 seconds will give you the same boost as a coffee.

Try that.

The headstand thing.

Open The Accounts

Go to fidelity.com.

Open a New Account.

Roth IRA

Keep going with the clicks.

Got it?

Connect your bank account.

Make a deposit.

Go to your employer’s app.

Change your direct deposits to increase your 401k or a new direct deposit to your Roth IRA.

Track Your Expenses

Budgeting doesn’t work for me.

Unless I create an entire database in Notion and physically track every little thing that goes in.

I have discovered that buying lunch at work 4 times a week costs more than bringing something from home by tracking the purchases later.

I have to keep all the receipts instead of just throwing them away into the wind and then come home and put them in their little “do me” inbox, then get the guts, time, and mindset to go through them and enter each into the database I created in notion and then, only then, can I start to “see” where my leaky faucets are in my food.

Do a No Spend Year

I haven’t yet completed mine, but I’m gearing up for it. I am finally stable enough to know that I’ll be able to have housing (the same house) over my head for a year and the same job and that gives me the freedom to think about spending less.

When I’m feeling stressed and unsure, I spend as a way to feel stable. Does it help? No. Is it true? Yes. Is my logic sound? Nope. Is it still my experience? Yup.

If you’re wondering how to stop impulsive spending, or how to stop overspending with adhd, you’re not alone.

In my season of asking what causes excessive spending and looking for tips to stop spending money, I’ve come across the idea of a No Spend Year.

I’ve heard about a No Spend Year enough times that I think it’s possible. That I think it will help. I’m ready to buy a ticket for the show.

Set a High Hourly Rate For Yourself

One way to stop spending on measly little doodads or eating your money is to set a high hourly rate for yourself. What does 5 years from now you make per hour? Let’s go with that. So when you’re waiting in line to purchase your little treat, you’re spending, let’s say $50/hr to stand in line to then spend $7 on a coffee. So if the trip to the coffee shop took 30 minutes, plus $2.50 in gas, plus $7 on the coffee..\. You’re now in 25+9.5 = $34.50 on one coffee. Probably could have just made drip at home.

Journal on How to stop spending money adhd

The way I see it, I can only journal so much. It’s more of a phase than a lifestyle for me. But if journaling works for you, and you have adhd, and you’re spending too much money, you can do a journal prompt based on how to stop spending money with adhd.

Brainstorm some ways to do things for free

Get into a complicated fidget toy

Create a Dopamine Menu to help you stop spending money adhd wants you to spend on stuff you don’t need

The dopamine menu is a list of things you can do that you enjoy doing that makes you feel good after.

Roller skating

Hula Hooping

Getting dirty in the garden

Creek Time

Lighting a Little Candle

Audiobook

Use What You’ve Got to stop spending money on ADHD

One tip to stop spending money is to make it a goal to use what you’ve got.

Do a hobby you haven’t done in a while

use your art supplies

make cards for people for the holidays

write a blog about books

read a book on your TBR

call your mom

Use these tools to help you stop spending money on adhd glimmers.

Get Social

The urge to connect is a huge pull for humans. Many of us yearn for a sense of belonging. Finding a group of humans, near or far, an accountability partner, or a partner to go through this with is helpful.

Books on Money

Read or listen to books about money. Heck, you can write one if it’s up your alley. The availability heuristic is a little trick our brain plays to save energy. It’s the idea of “what you see is what you get” so if you’re often surrounded by people talking about money in a small or irrational way, perhaps addict-like, you’ll pull from those ideas when you are acting with your money, too.

Replace Bad Money Ideas

Tke the time to overwrite those bad money ideas with good spending habits. Try ideas like a no spend challenge or adapting a frugal living lifestyle for a season or 3. you’ll pull from the available good spending habits you’ve surrounded yourself with.

If you can’t find a money mentor in real life, try looking in the page of a book on money or in the video content online.

Create a list of Good Spending Habits

After you’ve marinated with money content for a season, try creating a list of good spending habits you can have in your toolset.

Reframe Ideas

Words matter, and we can create a lot of emotion and traction with diction— our word choice.

Order Water Out or Drink More Water

—>> as opposed to “no fancy drinks at restaurant”

Focus on Later

Instead of the dopamine hit you’ll get from eating your cake now, imagine the celebration you could have with a huge cake with friends later.’

Do you want one little thing now or something huge later?

a nice gym membership or a nice gym at home?

Wonder Where It Came From

There are a few questions to meditate on when it comes to your lil consumption habit.

what causes compulsive spending

One thing to wonder about yourself at some point is “what causes excessive spending in my life”. Is it a suppressant for a need you can’t fulfill? A mindset you inherited from your parents? An ideal you picked up from the clock app? A desire for control?

How do I train myself to stop spending money?

For me, understanding I have ADHD helped. Learning about money helped. Making tactical changes that allowed me to see some things helped.

Mostly it’s a lil trick I have to play with my brain.