Why ADHD makes managing money so difficult (and how to be kinder to yourself)
Impulse spending is a common challenge for people with ADHD. It’s often driven by a need for immediate stimulation or relief — a quick hit of dopamine. Online shopping, with its easy one-click purchases, makes it even harder to resist. In the moment, buying something can feel not only tempting but necessary.
There’s also the intention to return things. Many people with ADHD buy items thinking, “I’ll just send it back if I change my mind.”
But the practical steps of returning — packaging it up, remembering the deadline, finding time to post it — rely heavily on executive functioning skills. Time blindness, procrastination, low motivation, and overwhelm often mean the item stays unopened or unused until the return window closes.
Over time, unopened parcels, unwanted subscriptions, or impulsive purchases become more than clutter. They can feel like a physical reminder of frustration, wasted money, and self-criticism.
The emotional toll
Struggling with money can leave people with ADHD feeling ashamed, guilty, or "not good enough." It can fuel negative self-talk: “Why can't I just get it together like everyone else?”
This emotional burden can be heavier than the financial cost itself.
It's important to understand that these patterns are not a reflection of your character. They are part of living with a brain that processes time, emotion, and decision-making differently.
Research supports this lived experience: adults with ADHD are significantly more likely to engage in impulsive spending and have greater difficulties managing financial behaviours (Weyandt et al., 2020).
Moving forward with compassion
Understanding how your ADHD brain works is a powerful first step.
Rather than blaming yourself, it’s about noticing patterns with curiosity and compassion.
Support is available — and small, sustainable strategies can make a real difference over time.
You are not alone. You are not failing. You are doing your best with a brain that is wired differently — and that deserves respect, kindness, and care.
Reference:
Weyandt, L.L., Oster, D.R., Marraccini, M.E., et al. (2020). ADHD and financial functioning in adults: A systematic review. Neuropsychology Review, 30(2), 215–225.Read here