adhd and money and tax

Conquering the 'ADHD Tax': Practical Strategies for UK Adults with ADHD

April 21, 20253 min read

Practical Strategies for UK Adults with ADHD

Hey there! As someone who's navigated the ups and downs of living with ADHD, I want to share some insights about what many of us call the "ADHD Tax" - those extra costs (both financial and emotional) that come with our neurodivergent brains.

What Is the ADHD Tax?

The ADHD Tax isn't an official charge, but rather those frustrating extra costs we end up paying: late fees on bills we forgot about, replacement items for things we've lost, subscriptions we meant to cancel, or takeaway meals because we couldn't get organised for cooking. Beyond the money, there's also the emotional toll of constantly playing catch-up and feeling like we're always one step behind.

Home Organisation Systems That Actually Work

I've found that traditional organisation advice often fails us. Instead of complex systems, I've had success with:

  • The "Drop Zone": Designated spots near entrances where keys, wallet, and phone ALWAYS go

  • Open storage: Using visible storage rather than drawers where items disappear forever

  • The "One-Touch Rule": Handling mail and documents immediately rather than creating "I'll deal with it later" piles

  • Breaking tasks into micro-steps: "Clean kitchen" becomes "clear counters," "load dishwasher," etc.

Financial Management

Managing money with ADHD can be particularly challenging in the UK. Here's what helps me:

  • Automatic payments: Setting up direct debits for all regular bills

  • Banking apps with instant notifications: Many UK banks now offer real-time spending alerts

  • The "24-Hour Rule": For non-essential purchases over £50, I wait 24 hours before buying

  • Separate accounts: Having different accounts for bills, spending money, and savings helps prevent accidental overspending

Time Management Hacks

Time blindness is real! These strategies help me stay on track:

  • Visual timers: Actually seeing time passing makes a huge difference

  • Calendar blocking: Scheduling EVERYTHING, including travel time and breaks

  • The "Time Multiplier": I estimate how long something will take, then multiply by 1.5

  • Alarms with specific instructions: Not just "appointment" but "leave NOW for appointment"

Body Doubling and Accountability

Body doubling (working alongside someone else) can be life-changing:

  • UK ADHD support groups: Many cities now have in-person meetups

  • Online body doubling: Services like Focusmate or ADHD UK's virtual working sessions

  • Accountability partners: Finding another ADHD friend for regular check-ins

Technology Solutions

These UK-accessible tools have been game-changers:

  • ToDoist or Microsoft To Do: For task management that works with ADHD brains

  • Monzo/Starling: Banking apps with instant notifications and spending categories

  • Forest app: Helps maintain focus by growing virtual trees

  • What3Words: For precise location sharing when meeting friends (no more vague directions!)

Energy Management

Rather than fighting my executive dysfunction, I've learned to work with it:

  • Task batching: Grouping similar activities to reduce context-switching

  • Energy mapping: Scheduling difficult tasks during my peak energy times

  • The "10-Minute Rule": Committing to just 10 minutes often leads to completing the task

  • Strategic use of medication: Working with my GP to optimise medication timing for important tasks

Creating Sustainable Routines

The key is building systems that work WITH our ADHD:

  • Habit stacking: Attaching new habits to existing ones

  • Visual cues: Using Post-its or whiteboard reminders in prominent places

  • Reducing friction: Making desired behaviours easier than unwanted ones

  • Building in rewards: Immediate positive reinforcement helps ADHD brains

When to Seek Additional Support

Sometimes we need extra help, and that's completely okay. UK-specific resources include:

  • ADHD UK and ADHD Foundation: National charities offering support and resources

  • NHS ADHD services: Adult ADHD clinics (though waiting lists can be long)

  • Private ADHD coaches: Growing network of specialists throughout the UK

  • Neurodivergent-friendly therapists: Many now specialise in ADHD-specific approaches

Remember, strategies that work for neurotypical people often don't work for us - and that's not a personal failing! By understanding how our ADHD brains function and creating systems that work with our unique wiring, we can reduce that ADHD Tax and channel our energies into the many strengths that come with our differently-wired minds.

What aspect of the ADHD Tax hits you hardest? I'd love to hear your experiences and share more specific strategies!

James is a blogger and PDF salesman. I create articles that suit the product and people hopefully inspiring anf helping people find solutions for life problems

James

James is a blogger and PDF salesman. I create articles that suit the product and people hopefully inspiring anf helping people find solutions for life problems

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