Dollars & Distractions – Episode 11 ADHD & Money, Impulse vs Intention

In this episode, Maryanne and Bec dive into a very real and relatable topic, ADHD and money habits, and how impulse spending can creep in when structure isn’t in place. From self-diagnosed ADHD tendencies to the impact of modern life (hello, constant notifications and scrolling 👀), this conversation explores how our environment may be shaping shorter attention spans and influencing the way we spend.💡 What We CoverThe link between ADHD traits and impulse spendingHow the digital world is conditioning distraction and quick dopamine hitsWhy lack of structure leads to overspending, especially in everyday situations like grocery shoppingThe role of self-awareness in managing money habitsHow routine can reduce overwhelm and improve focusThe concept of avoidance, and how putting things off can make money stress worse over timeWhy ADHD can also be a superpower, especially in problem-solving and thinking ahead🛠️ Practical Money Tips Shared✔️ Shop with a planGoing in without a list = walking out with things you don’t need (and forgetting what you actually needed)✔️ Use multiple bank accountsSplit your money into:Bills account (direct debits)Spending accountSavings accountThis helps remove temptation and creates clarity around what you can spend✔️ Automate where possibleSet up direct debits or scheduled payments to avoid missed bills✔️ Break down big expensesIf quarterly bills feel overwhelming, consider paying smaller amounts more regularly✔️ Create simple routinesEven small habits (like how you start your workday) can reduce mental clutter and improve decision-making✔️ Pause before impulse purchasesEven just a moment of awareness can change the outcome🧠 Real Talk Moments“Sometimes I walk into a shop for one thing… and leave with everything except that one thing.”“I know I’m in the mood to spend… and that’s when I try to avoid the shops completely.”“It’s not about fixing ADHD, it’s about finding systems that work for you.”“Don’t beat yourself up, just adjust the system.”❤️ Key Takeaway It’s not about being perfect with money, it’s about understanding how your brain works and building systems that support you. Whether you have ADHD or just feel constantly distracted, the goal is the same:👉 Less overwhelm, more intention, and a structure that works for YOU.