A specific question, answered specifically
How to open the bank app when youve avoided it for months ADHD?
I open the bank app by first acknowledging the anxiety that's been holding me back, and then breaking down the task into smaller, manageable steps, like taking a few deep breaths, setting a timer for 10 minutes, and promising myself I'll only review one statement at a time. This approach helps me avoid feeling overwhelmed. The 92-day version of how this avoidance compounds is in ADHD and money — why we avoid the bank app, and the fix.
We're under-built for systems that assume daily showups
Traditional banking and finance systems often assume that users will regularly check their accounts and stay on top of their finances, which can be challenging for ADHD adults who may struggle with executive function and consistent habits. For instance, I have a friend who set up automatic transfers to her savings account, but still avoided checking her account balance for months, leading to unexpected overdraft fees.
This is why it's crucial to find ways to make the task less daunting, such as setting reminders or enlisting the help of a trusted friend or family member to provide accountability and support.
Our avoidance is often a coping mechanism
Avoiding the bank app or other financial tasks can be a coping mechanism for ADHD adults who feel anxious or overwhelmed by the prospect of dealing with their finances. For example, I know someone who avoided opening their bank statements because they were afraid of seeing a large amount of debt, and instead, they ended up accumulating late fees and penalties.
By acknowledging and addressing the underlying anxiety or fear, we can begin to develop more constructive coping mechanisms, such as breaking down tasks into smaller steps or seeking support from a financial advisor or therapist.
Rebuilding trust with our finances takes time and patience
Rebuilding trust with our finances and developing healthy habits takes time, patience, and self-compassion. It's essential to be gentle with ourselves and acknowledge that it's okay to make mistakes or encounter setbacks along the way. By taking small steps towards rebuilding our relationship with our finances, we can develop a calmer relationship with money.
If you're struggling to open your bank app or get back on track with your finances, consider checking out the ADHD Finance Recovery Workbook, which provides a structured approach to rebuilding your financial habits and developing a more positive relationship with your finances. You can find it on our website at /buy/.
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