Financial issues...

Any tools to help me face and manage financial messes I made before understood my AAD behaviors?

I am beginning to try to do things better,however I have lots of things to fix and I feel overwhelmed....

Any Ideas would be helpful..

I am feeling quite humiliated as wel

Frannie - I too, have major financial struggles. One thing that I have tried but quickly abandoned was having the bank balance my checkbook. I only went twice because I was so embarrassed and thought that this was something I was to do on my own. My therapist suggested I try again. She reminded me that lots of people need help with their checkbooks. And I have a friend who even suggested that I stretch the truth a bit by saying that I have a "disability with math". So, tonight I pulled out all of my bank statements since last October and put them in order. My plan is to take statements, registers to the bank tomorrow morning, letting them know of my dilemma and asking them to work on it early in the week when they have less customers. I know it'll take them a while to figure it all out. I don't know that they'll even help but I can at least try.

I understand your struggles. I have tangled with rubber checks, living paycheck to paycheck, impulsive and non-essential spending, no savings and money burning a hole in my pocket. no matter how hard i try, i can't stick to a budget for my life. it's all just totally overwhelming.

if you want to email about our struggles privately, let me know.
Check Books are meant to be balanced??? Harris' comments made me chuckle. I needed that. Unfortunately, the answer is yes.

Just an update. I didn't get desired results at the bank. Just got frustrated and left. So, two days later, I decided I would just start over. I took the ending balance from recent statement, and wrote in everything that occurred after that. Turns out I am $70 short but at least I know where I'm at. I remember one time I was $900 in the hole! Yes, $900! But I survived. And I'll survive this time too.

I'm going to cancel the keep the change program as that confuses me. I've learned over the years that in order to help my ADD, I need life to be as simple as possible. The more complicated, the more confused I get. So, eliminating this from the checkbook may help. Might make it easier to work with.

I'm feeling better (not great) about the checkbook.

Thanks.
Many financial institutions offer free classes in money management. I would check with a few banks in your area. It's a very clever thing for them to do as it is designed to reduce bankruptcy and other money troubles that can literally cripple a banking company.

I'd check that out. Also I've seen advertisements for the debt consolidation companies that offer free help in the form of classes.

I know that control over our money can be difficult but it's not impossible.
I say banks make things more and more confusing so that we are overdrawn .
Even if i was focused enough to figure my account out it would still be F'd up
But I have found a solution ,,, CASH!!

Good Luck

Harris
Cash? What is that? LOL

Very true. Banks make it very difficult for everyone - especially for us with ADD. It would be great if they were more understanding.

I actually have a book on survival tips for women with ADD and one of the tips someone suggested was that instead of writing $14.95 for something, she rounded it up to $15 and then several months later went to the bank and discovered that she had saved over $700. My bank has this program called Keep the Change and I'm finding that it's more confusing than it's worth. (I was supposed to call and cancel it today but I forgot.)

It's a handy book and in case you haven't heard of it - "Survival Tips for women with ADHD" by Terry Matlen. I got it from the inter-library loan services as well as purchase (I was too impatient and thought the library wouldn't come through). At least now I have it.

Thanks everyone for writing!

Karen

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