Sample preview · ADHD Finance Recovery Workbook
What's inside the ADHD Finance Recovery Workbook
For ADHD adults who haven't opened the bank app in months. Six chapters about coming back to avoided money. Two real samples below.
Table of contents
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The "I haven't opened my bank app in 92 days" worksheet For the moment you finally open it. Three columns. No commentary required.
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The 30-Minute Money Triage A timed sweep — what's overdue, what's autopay, what's quiet. The point is to know, not to fix.
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Bill consolidation scripts Word-for-word phone and email scripts to consolidate a bill or set up a payment plan without explaining yourself.
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Late-fee recovery sequence A four-step sequence for asking late fees to be reversed. It works more often than people expect.
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The autopay-or-not decision tree Autopay is correct for some bills and a trap for others. The tree tells you which is which.
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Re-entering after avoidance The protocol for the day after the bank-app re-open. What to do, what to skip, what to leave for next month.
Sample from Chapter 1 — The "I haven't opened my bank app in 92 days" worksheet
The reason you haven't opened it isn't laziness. It's that the act of opening it carries an emotional cost that's bigger than the financial cost of leaving it shut. Most personal-finance advice is written for people whose pain threshold for opening the bank app is roughly zero, which is why most personal-finance advice fails ADHD adults inside of two weeks.
The worksheet treats the open as the work. You're not budgeting. You're not optimizing. You're opening the app and writing down three numbers: balance, oldest unpaid bill, biggest surprise charge in the last 60 days. That's the chapter. If you do that, you've done the hardest thing the workbook asks of you. The next chapter starts to plan around what you found.
Sample from Chapter 5 — The autopay-or-not decision tree
Autopay is the right answer for fixed bills you definitely want paid — rent, the same internet bill, insurance. It's the wrong answer for variable bills, free trials that turn into paid subscriptions, and anything where the cost might creep up without you noticing. ADHD adults tend to either autopay everything (and lose track of the creep) or autopay nothing (and miss bills). Both are bad in different ways.
The tree asks four yes/no questions. Is the amount the same every month. Can the amount be raised without you actively agreeing. Have you used the service in the last 60 days. Does the company make it hard to cancel. The combination of those four answers tells you autopay, manual, or "cancel this." The point isn't to be precise. The point is to make the decision once and not have to re-decide every month.
What this kit is NOT
Not financial advice. Not a budget. Not investment guidance. Not a debt-payoff plan. Not Dave Ramsey.
- No envelope system, no zero-based budget, no "give every dollar a job."
- No app to install. No login. No bank-account linking.
- No shame about your debt, your spending, or your avoidance.
- No moral framing of money. The workbook treats avoidance as a regulatory problem, not a character problem.
If your situation involves real legal trouble — collections, bankruptcy, fraud — talk to a non-profit credit counselor or an attorney. The workbook is for the avoidance pattern, not for legal complexity.
Get the full kit
Six chapters. The bank-app worksheet, the 30-minute triage, the consolidation scripts, the late-fee sequence, the autopay tree, the re-entry protocol. PDF + DOCX.
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