How can I fix my finances with ADHD and a tight budget?

R

RhinneGamachie

New Member
This post is embarrassing for me... I have diagnosed ADHD. I have had issues with money management my whole life... I’m turning 40 next month. I made yet again a huge mess of my finances. I have a very hard time dealing with my problems—and I ignore them. I am a single mom and I make 18.25 an hour. I recently got my car repoed—with 20k left on it. It was costing me 900.00 a month with payment, insurance, gas and maintenance. I also have at least 9000 in credit debt and 4k in hospital bills. These are my expenses.

I bring in 2900.00 a month

Rent - 1350.00 (rent, water, garbage and sewer, pet fee)

Groceries—went from 300.00 to almost 500.00 a month.

Uber - 550.00 a month

My helper to drop off and pick up my daughter from school - 120.00 a month

Electric - 92.00

Phone - 40.00

Internet - 45.00

Cat supplies - 120.00

Disney plus - 15.00

Meds - 120.00

This is basics... this does not include my daughter’s needs or my needs. What do I do—or where do I start?
 
I know this isn’t easy to hear but your current budget just isn’t sustainable right now. As it stands, your expenses are about $52 more than your monthly income. And that doesn’t even include your credit card or hospital payments.

This is your moment to take control and make real changes. You can increase your income by picking up extra hours, finding a side job, or growing your skills to earn a raise. If you haven’t already, applying for child support for your daughter could make a big d ifference.

On the expense side: look into local food banks and their pickup days; consider moving in with family or taking in a roommate; and contact the hospital’s financial aid office. Many people are surprised at how much they can reduce or even erase their medical debt. Also, don’t hesitate to reach out to your city, county, or state agencies for assistance programs.

Most importantly don’t give up. Take one step at a time, and keep moving forward. Not just for yourself but for your daughter. She’s watching, and your strength today will shape her tomorrow.
 
Your expenses look pretty reasonable I’d keep Disney Plus . No,car is a bummer, but that Uber bill is the real budget monster . Without it, you’d have some breathing room for bills. I’d focus more on finding ways to make more money like changing jobs or doing something at home when your daughter’s asleep or on weekends . It’s too bad you didn’t have someone local to help with rides and living quarters. You could drop the Uber expense and cut the rent down. This would be temporary until you snowball your debt down to a reasonable level ⛄.
 
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