** LATE PAYMENT ** | ADHD Information
If (when) I see these words on another monthly statement, I am going to SCREAM!
Man...they got me again.....this time it was because I payed a bill before I received the letter in the mail, so I wrote the payment on another bill....Guess what?...THAT's the bill I forgot! It looked paid.
I told my wife, okay....no more like this...next one will be written on a plain sheet of paper if bill is not here, yet!...So simple, but so stupid, and so Irritating!....could cost so much if they screw up my credit rating!
I have everything written down. I still screw it up. Today I checked my checking account and it was - 9.50. How the heck did that happen? Acording to my records I still have about 0.00 Check to a credit card bounced. Crap! It'll probably be up to 21% (It'll be late now). Got it straighted out. Found a check I distinctly remembering depositing on the bar in between the kitchen & Dining room. How the heck did it get there? Good thing I don't care. 
i laugh b/c i scream for joy when i'm not late!
man, if we could just get all of our late fees and bounced check fees back we would all be rich. My dh does the bills and he can not get them paid on time to save his life, then when he does pay them we always get a insufficient fund letter.
I say nothing because i used to do them and got yelled at for not paying them off....another story........
I do the same thing. Last week forgot to deposit my check. Wouldn't you know it I bounced a check, another bank fee. Like I have money to burn. Really pisses me off!
It's not as bad as it was now that theres online banking and I can check my balance but I still manage to mess it up every now and then. Oh, the trouble I use to get myself into with bounced checks, all the lost money on fines
Reminds me I have credit card payment due tomorrow, or maybe the 15th?? Anyway glad I can do an online payment for that too!
Thanks for the reminder!!
sonya - I'm glad that things have gotten better for you. Not perfect I understand but better, right, is there any such thing as perfect?? It would be nice to come close one day.
Yes, those late fee and fines are really a thing that irks me. I went to the library last week and owed in late fees. Grrr! I bounced a check, another . And I just got a collection notice on a hospital bill for my daughter that I don't remember EVER seeing. This is really driving me crazy. I just can't seem to get on top of things.
If I could have back all the fines, fees, and the money wasted on stupid mistakes that I've spent over the years I could have the vacation of my dreams. To think I could be sitting on a tropical, sandy beach somewhere. Well that thought did not cheer me up
How does life go with two ADHD adults in the house, must be bloody hard!!
Bet you guys have really good laughs from time to time though. My best friend has it too and I cant laugh with anyone else like I laugh with her
It's one of those things that would be alot harder if we didn't know about it.
A lot of our issues has to do with the way we were brought up. My parents knew it existed and suspected that I had it, but never took me to get tested for it, because "they didn't want me to be all doped up" and they thought I was smart enought to make it.
Let's not even get into my husband's background. Let's just say for most of his teenage years, he lived with his mom, who we suspect has ad/hd, odd, and a whole host of other mental issues. When the school told her that he may have it, she (which is typical for her) took on the attitude that nothing mental could EVER be wrong with her children. Everything they do is right, for to admit that they have issues, or have done something wrong, is a reflection of flaws in her perfection.
We both were under the impression that "we had ad/hd as kids, and would grow out of it". So that even if we never got tested as kids, it didn't matter now, because we were adults.
Boy, was that assumption wrong.
So I just finished my psychological testing a few weeks ago, and will know the results next week.
After I get my results, my husband is going for testing.
It's a heck of a long procrastination before getting this testing done, but at least now it's getting done. I'm tired of being unstable, and now we have a kid. We decided that we've had enough of this and are ready for stability.
We can laugh together about things. We stay together easier because we both totally understand the other one. He knows that I just can't "do better". I know that he has a rough time getting ready on time, and so forth. It's no need to argue about these issues, for we totally understand why we do what we do because we are in each others shoes.
(P.s....up there, i meant to say things HAVE gotten a little better in the last couple years.)
sonya_h38768.9287962963I'm trying to get to the point you are, Reisa, with being clueless and making my finances idiot-proof. I have direct deposit, and automatic bill pay at my bank. It's not quite there, but getting there. I'm also going to investigate at work to see if it's possible to have a portion of my funds direct deposited to my savings account. How about automatic bill paying instead.Because other people can remember long enough to get past their procrastination. We procrastinate even 5 minutes and "poof" problem gone -- until the reminder ... and the final notice... and the dark with flashlights...
I don't understand either of us.
sonya,
Sorry to hear your have a rough time. I'm praying that things will get better for you. I'm always told things happen for a reason, maybe this next phase of your life will bring good things to you!
Thanks.
That was a couple years ago, things have not gotten a little better since then.
I can definitely relate to the late payments.
Both my hubby and i have ad/hd.
My financial planning is quite wierd, in fact, some would call it insane. But after a decade of messing up all the time, I got fed up. I just made my finances idiot proof. I live far below my means. I have automatic deposit for my pay check, give myself a cash allowance. My ADHD does the rest for me. I forget it is payday, forget how much I have in there, forget to check the balance. I actually can save money as long as I make sure I remain clueless.
I still forget to pay bills and rent is a lotta times late, but I just pay in full whenever. (Yes, even when I have to pay 0.00 to get my electricity turned back on.) I have never owned a credit card, I don't take my check card or check book with me when I go out. I either have the cash or I don't buy it. If it is a big purchase or an expensive fun purchase, I have to decide if it is worth not being able to buy anything for 2 months. Two months is completely arbitrary but definately in the safety zone, and it forces me to stop and think for at least a couple days before I do any major financial damage.
Whenever finances come up in conversation, people look so shocked when I say that I have no idea what my bank balance is, and that I haven't balanced a checkbook in years. It my universe, balancing the stupid thing didn't ever do me any good. It turns out that not balancing it has worked out great. I am to insecure over my unknown balance to ever "walk the line" that got me in trouble before.
we're bout to file bankruptcy.
Do any of you wonder if somewhere in our brains there is a little person who sabotages our attempts to pay bills on time? We know thery are there, we know they have to be paid, so why do we always get that reminder then final request letter?
I really dont understand myself
sonya, I'm glad things are looking a bit better. I agree with you that getting diagnosis and help is important now that you have a baby.
I think procastination (as in bill paying) has something to do with our bad ADD short term memory, coupled with the fact that all things are difficult for us, so it's an uphill-climb, like Sisyphus pushing the rock upwards, and we therefore avoid doing things because everything takes so much effort for us.
I've always tried to save some money, but no matter how much I'm making, whether a lot or a little, my situation is always tight. I get depressed if I try to keep a budget, as if I were a spoiled child limiting myself from having fun.
I don't own anything that has the possibility of a late fee, unless it is absolutely necessary. I got really mad one day and I cut up my library, video, and credit cards. I borrow a friend's steam cleaner even. I have my auto insurance automatically deducted.
The only bills I pay (and get late fees for) are:
Rent because the automatic payment doesn't get to them any more on time then I would myself - at 1 AM putting the rent check in the night drop box.
Utility and phone bills because I don't trust those companies to be honest/accurate. I know I keep my eye on them when I have to physically write checks.