MANAGING MONEY WITH ADHD | how to create a budget, automate your finances & avoid impulse spending

[@TheAvocadoToastBudget]

Hi friends! Part 2 is LIVE! Going over the Dos and Donts of Budgeting with ADHD! kzbin.info/www/bejne/o3K0Yq2OoMSnpMU

[@lauravenner]

Hey Lex! Could you give an updated video on what Budget app you're using? I know that DIgit is now owned by Oportun and have since finding your video seen alot of negative reviews on it. I need a fellow ADHDer's perspective.

[@kayleigh8969]

For me, when I’m spending my money I’m always thinking I have more than I do - like I forget to subtract what I’ve spent. I’ll keep thinking that I have $1000 in my account when it’s really down to $400

[@LisaGallegos]

Same 😭😭😭😭😭

[@pewpewtato]

Meee af. Then I’m shocked and the guilt and shame crash in. Every single payday.

[@Margurisa]

Yoo 😭😭 this is too accurate

[@candacemitzi]

ME TOOOO!!!

[@Lexlex8003]

Me too!

[@deborahsheets2604]

Stick to your budget not your bank account. GIRL THANK YOU I NEEDED TO HEAR THAT

[@MrMadmonkey13]

Frrrrr

[@spacemonkey340]

As someone with adhd this is my biggest struggle. Thank you for this. Timing is perfect.

[@TheAvocadoToastBudget]

I’m so glad ❤️❤️ I wish I would have had more realistic budgeting advice when I was younger that worked with having ADHD!

[@SimplifiedBusinessSystems]

I smiled when you mentioned starting an Etsy sticker shop! I did that back in July (very impulsively and focused on funny ADHD stickers, ha) and somehow it stuck! I’m sitting here packaging a wholesale order while watching! But if only I had back all the money I spent on every idea that didn’t stick!

[@linkus1824]

Something that helps me is to think of money as time. Let’s say you make 10$ an hour after taxes. Your friends invite you out to eat then to the mall. 20$ for a burger and fries thats 2 hours of work. How about that $60 hoodie at the mall is it worth 6 hours of your time? I love cooking so instead of going out to eat I invite to eat at my place 5$ each for a good meal and dessert. 5$ covers my grocery cost and helps them save money too. Then walk to the local bar and shoot pool and have only one or two drinks which costs me about 10$ all night. I’ve hung out with my friends all night and only spent 1hour. There are many ways to do this hiking, having a snacks and Netflix day instead of going to the movies. Hope this helps.

[@JamesBond-lt5tr]

I love this, thanks for sharing

[@ILikeCatsMoreThanILikeYou]

This is like the 10th video I've watched on adhd budgeting and I gotta say, this one reaaaaally nails it. The mentality of thinking I have tons of money cause I see my paycheck is 10000% me. Out of sight out of mind it such a strong sensation with me as well. So thank you!! I'm gonna do my best to implement these tips and I think it will genuinely help! ❤

[@LovingUD4Eva]

Wow! You popped up on my iG feed and I literally just got my adhd diagnosis today. I’ve known it forever but I’m tired of working so hard just to survive. Us Adult women have it hard. Literally turned my Digit account back on today. I can’t save the way it does for me. You have a new subscriber!

[@TheAvocadoToastBudget]

OMG perfect timing!!! Welcome to the ATB fam!!!

[@mishka.a]

I just realized I might have ADHD... The hobbies thing, this is totally me! + spending money on the best equipment and then forgetting about that hobby soon later. Whoa

[@theblueelephant2808]

one of the splurge items I allow myself is stickers that are cute and to my liking. I don't skimp out on stickers. It allows me to engage with a reward that is relatively inexpensive (compared to other things) and can be used for other reward/habit-building systems (ie sticker charts for daily exercise). The nuance of different sticker designs keeps my dopamine receptors happy and my budget gets SIGNIFICANTLY less impacted by it.

[@noblethoughts4500]

Do you get them on Amazon? Or do you have a different favorite place to get them?

[@emmalay1962]

this is such a cute and fun idea :)

[@jackielehman8945]

I would cautioun folks doing auto payments until you have an account that has enough to cover 1 month ahead. When you miss payments it can be very costly.

[@KatThePRPrac78]

I am sooooo tired of this struggle! Thank you for this.

[@SanctifiedLady]

This is awesome! Glad I learned to auto draft and never look at my bank balance…use cash envelopes for groceries and fast food envelope, social outing envelope, never spend more than $10 a outing. $5-10 fast food rare occasion, put and keep a $100 bill in the glovebox for on the road 911, then $1000 in the safe for repair 911. I’m always going on $600 shopping sprees then retuning it all. I can only use my debit card for gas. This have helped me so much. Until Covid debt. ER out of pocket visits. 😢

[@batbxby6400]

The amount of hyperfixations I related to 😭 thank you for this, budgeting has been such a struggle

[@mesharuu8331]

The fact that I was nodding and laughing with your examples means I need to subscribe lol. … meanwhile waiting for the $2 to stretch for 12 days lol

[@themissmay]

Found my new favorite corner of the Internet … finances for ADHD

[@thecreativeminimalist5792]

OH EM GEE. I HAVE NEVER NEVER found someone that has explained everything like that. I was screaming "THIS IS ME!" So glad I found this!

[@melissapetzer3560]

If you're comfortable I'd love to hear your diagnosis story of adult adhd.

[@feerich9410]

This is Soo good! So much budgeting advice out there requires you to have so much discipline and do so much work, without much short term reward. As someone with ADHD, I get really excited and try it all, but then stop after a few days. This is really helpful, sustainable advice :) Thank you, Lexa!

[@nicoledunn6925]

um, so, THANK YOU MAAM. I feel so heard. My mother is an accountant and I feel so much shame and guilt when it comes to a budget and spending, and it just feels like I can't ever get it right. Thank you so much for doing this for those of us who have brains that work a little differently.

[@TheAvocadoToastBudget]

I felt the same way for so long! I'm so sorry you're going through that and I hope this helps!

[@danikeebler1662]

I have worked in sped for 30+ years and never entertained the idea of myself having a learning disability. I was always the the village idiot from 4th grade on. Not only am I being tested for adhd....but dyscalculia. Dyscalculia is a math learning disability similar to dexlexia....but for math/ left brain. I can add, subtract, x and ÷ really well ( using my fingers) but anything beyond that my brain goes blank. I can do numbers but I avoid them. Most people have never heard of dyscalculia I accidentally found out how my brain struggles. I also was diagnosed with double vision 20 years ago. The numbers font line up for me. I finally got my act together and got out of $$$$$ worth of debt in about 2 years. It works but the denial has to end. Denial of debt and learning disability.

[@faigyliebermann4749]

Fab video, yet again! My ADHD brain still finds YNAB hard to navigate. I know that I will keep on coming back to your videos until I get it right...

[@dahliaharris311]

This is my biggest struggle. For the longest i didn't even realize that i am ADHD until i started working with my counselor. Everything you said i 100%relate to. I think now what i am learning is how to deal with it. It henders me in so many ways and money/budgeting is one of them. Thank you for this video. The tips are very helpful. (Im a psychology major too!👍🏾🤓)

[@michellenordstrom90]

You put into words exactly what I have been struggling with! Thanks for the tips!

[@jablestables682]

This video described me so well. Thank you so much for these tips!

[@Ironfrenzy217]

With automation I find it annoying. Why can't you withdraw when I've told you State Farm!? Why is it 3-4 days later!?

[@danikeebler1662]

I got paid a few days ago. It took me 10 minutes to wipe out my check. The good news is that my bills are covered for rhe summer break. In the past that NEVER would have happened. July 1st I would be sweating.

[@FacEgirL76]

Object permanence is the understanding that objects continue to exist even when they cannot be sensed. When a friend goes to another room and comes back, a person with ADHD is not then shocked that they poped back into existance. There for it is lot lack of object permanence.

[@SharlenesJourney]

I love the channel name avacado toast budget ☺️ yes I’m struggling so bad I got bills I’m behind on it’s sooo stressful 😢 thank you

[@Omg_sade]

Pauseee, your fake scenario was too accurate😮😂

[@iamathousandapples]

I have the opposite issue, i know that i dont know how much money i have and so to compensate i dont spend unless i really need to. Sounds like a good thing but its really frustrating and i know I'm making myself miserable unnecessarily

[@jessicak7965]

I do the same thing

[@JB-cx2vk]

I do this too! I won't spend money unless I know I'll have some left over after the spending. It can be pretty crippling when you know you know that you need to update a lot of things in your life but you have no idea how to budget for them

[@jessicak7965]

@@JB-cx2vk exactly!

[@chastrumpful]

Thanks for the suggestion to focus on the budget when spending as opposed to what we are paid I like that way of thinking and will have to try it out. If I’m correct that should fix most of the issues I have with spending

[@donttalktomebye]

my impulse spending is with groceries LMAO

[@KitKat10281]

Yesss! My biggest income suck! Sadly, I WORK at the grocery store, so give them back my checks pretty quick!

[@JohnsonKayla12]

I want to go through and like all of your videos because wow this was the most helpful vid ever. I’m going to rewatch it a few times so I can implement all the tips bit by bit.

[@Ashes_1995]

Thank you for this video. This has helped me more than words could ever say. Keep up with the amazing content!!!

[@ferniecat]

Watching this before I go to bed to have it engraved in me naturally:-)

[@elsag5247]

I loved this! Love your energy! Im very identified. Im terrified to stick to this budget its making me sick. I don't know if its afraid of failing or just fighting the urges I get to spend on whatever and whenever...so dicipline?🤔

[@dianec690]

Just subscribed. I’m loving this !

[@EmmiJade]

Holy cow i just started following you and this is my first new video - and my biggest struggle. You rock!

[@TheAvocadoToastBudget]

Yay!!! I’m so glad you are here! It was meant to be!!

[@EmmiJade]

@@TheAvocadoToastBudget thank you! Quick question: is the digit app something you use in conjunction with YNAB or instead of?

[@lolucky1317]

You get it 🥺💕 thank you so much for brilliant, down to earth and compassionate tips

[@BodaciousWench]

My impulse buy (right now)is toys for my 2yo charge and his big brothers. So I buy an Amazon gift card for $200 and use that.

[@SanctifiedLady]

I can never know how much I have left… period

[@robynbieber6312]

Timing is perfect. Thanks for this!

[@ericjohnson3426]

I so glad you made this video ,thank God for you

[@Thenocturnalstitcher]

Thank you for doing this. Some very helpful things in this video.

[@TheAvocadoToastBudget]

I'm so glad it was helpful!!

[@bd3966]

Wow this was incredibly accurate - I feel seen! 🙌🏿 thank you so much for posting this!! It was so helpful!

[@ferniecat]

Thank you so much!!!

[@SanctifiedLady]

I have two great pair of ballroom dance shoes… new!

[@joycesegers5578]

Wow Lexa, just found you doing some research on ADHD and 🤑😳 Money. This video was very helpful, thanks for the tools and the app suggestion. 🙏 I liked 👍 and I subscribed!! 🥳

[@TheAvocadoToastBudget]

Yay! I'm so glad you're here!!

[@dejafloyd2726]

Love this! Taking notes. Thank you.

[@DC-ri3pb]

I feel so seen! Thank you so much!

[@TheAvocadoToastBudget]

Yay!!!

[@ericjohnson3426]

I thought ,I was only had this problem ,I was wondering why I never had any money ,I just appointment to get on meds ,I wish I realized I notice this problem , in my 20$ now I near 50s

[@TheAvocadoToastBudget]

This is a topic we need to talk more about! So many of us are silently struggling thinking we’re alone in our struggles 💜

[@JennKelly]

How does direct work with YNAB? Are they complimentary?

[@thekappap]

my dad and sister know to make feel ashamed of spending money i am in debt 2,000.00 something like that and when i told i felt like i got the brunt of anger towards me . ? and sometime i don't keep a promise . they use it against a small jab.

[@invertedrain]

thank you for this video, I really needed all of these tips

[@riennatullos]

Automatic payments I forget what I have coming out. Object permanence is a struggle with adhd.

[@chipstealer.-.]

Hello! The link for direct isn’t working?

[@KayleeBanjaGaHoole]

Is direct no longer a thing? The link is dead and I can’t find anything about the app anywhere else

[@tiffanyharris2910]

Do you still use Digit Direct in combination with YNAB or just YNAB now?

[@Letmebefrankie]

Hi! Does direct still exist? 🙏🏽

[@shannonwells2847]

Did you ever find the app?

[@breannaveverka8838]

Is direct still available?

[@al-ansarmo9198]

Not quite object permanence, that's part of early baby development

[@elliwesishawkins4799]

The funniest part is that as you’re describing this app I’m like huh I already do that maunualy every paycheck (I dont have adhd) and then you said “and it sends you daily updates with how much discretionary spending you have” and I said lol my husband asks for daily updates on what money is left like that 😭 (he does have adhd) Edit: as I continue to watch the rest of this video it just keeps calling my poor husband out, imma have to show him this when I get home from work lmao

[@somebodyody]

“Whenever you have ADHD” 😂 The “whenever” makes it seem like you’re implying sometimes the ADHD just takes a day off 😂

[@jaykaytherapy]

What extra money?

[@lucymcmmck]

not available in Canada

[@daughterofyahavah280]

Oh my !!! This is so helpful !!! I was never diagnosed with ADD but I struggled so much with budgeting and handling money. Tried a few way but just couldn’t keep it up and get discouraged. Now it makes so much sense! However the app you suggested don’t work in Canada 🇨🇦😕

[@thekappap]

I have a learning disability ADHD and difficult with budgeting money it irradiated my dad and sister they get mad at me for thinking about spending money on myself and I don't why should be even mad at me for that they spending there money on stuff and I do not get mad at them.?

[@LayneBrockbank]

This is so helpful!

[@TheAvocadoToastBudget]

Yay! I’m so glad!!!

[@thekappap]

the budget apps are too confusing for me to understand .??? none of the apps make sense to me .

[@toriroberts1783]

Not thrilled that I have to have referrals to get off the wait list for the account😑

[@aletajade9499]

No sound coming

[@jeanniemcbride4619]

I can’t even sit and do a budget so overwhelm

[@EddyDee3]

I cried watching this video… I’ve struggled with adhd my entire life and didn’t get diagnosed until two years ago. I’m 33 and it’s been a humbling experience learning how to control or harness this new found super power. But also learning to give myself grace because I feel like such a fuck up sometimes🥹

[@thekappap]

budget app that help anyone who has ADHD .?

[@SanctifiedLady]

20-40yrs to invest?? Okay this is a youngsters channel but old folks with ADHD still suffer with these things ❤

[@jasmynjohnson4346]

So everyone is deciding to get their finances together huh 😀

[@TheAvocadoToastBudget]

YESSSSS 🎉🎉 it’s TIME!

[@thekappap]

my credit is in the $2,000 dollars and my dad isn't going to be happy with me . ? i picture see the steam coming out of his ears. don't know how to tell him without him getting mad at me like is always.

[@Nat06]

❤

[@IDKwhatimdoing-b5h]

I bought 100 dollars worth of fudge yesterday, no I’m not proud.

[@dustingregg7925]

I feel so seen. 😂

[@missnurseeri]

That not what object permanence means... And we learn as humans get a handle on this by age 1. Speaking as a nurse with ADHD.

[@TheAvocadoToastBudget]

Speaking as a licensed healthcare professional who specialized in ADHD and Autism, I’m aware it’s not the same phenomenon studied in infants. However, there is not currently a specific term used to describe the “out of sight, out of mind” phenomenon that occurs in many people with ADHD. Therefore, it’s commonplace to use the term object permanence or object constancy in this context. If this facet of ADHD isn’t something you personally struggle with, that’s great! But it is common and can severely impact people’s lives, relationships, and finances.

[@Ouiyoginamaste]

automate is not a good trick for me since I always spend all my money.

[@Ttrbeautybar]

I guess the app changed since you uploaded this. It’s called oporturon or something like that. I wish the digit app was still a thing. I have not found an app that does what you explained digit does

[@christianemichelberger8245]

Love your channel. I just thought about writing a book about money management for ADHD and other ND people because that's what I fall into and in the meantime, I learned by trial and error what works best: Exactly what you say in this video! :-) I think my book is not needed, you're great!

[@arwenives]

This was so helpful!