Personal Finance Tips for Women With ADHD

Category Archives for "Personal Finance Tips for Women With ADHD"

I’ve been deep in debt. I’ve gotten out of debt. I’ve gotten back in (yikes). I’ve lived paycheck to paycheck, saved thousands on a tight salary, juggled side hustles, and even learned how to invest.

It’s been a whole financial rollercoaster—and if you’ve ever felt the same, you are so not alone.One thing that’s kept me grounded through it all is Jesus. Yes, even in my finances. He’s walked with me through every broke moment, every breakthrough, and every budget spreadsheet.

If you’re a woman with ADHD who needs simple, grace-filled money tips, plus tools like budget planners, journals, and templates to help you stay focused and consistent, you’re in the right place. Let’s figure it out—together.

07/08/2019

How to Stay Out of Debt Even If You Struggle With Impulse Spending!

How To Stay Out Of Debt

Want to know some debt-free living tips? I have a few tips in this post that will help! Once you learn how debt sneaks up on you, you’ll be able to conquer the debt monster forever

I have a confession to make…

I have more debt than I’ve let on.

You see, this is how it happens because debt is so insidious.

It started with a For King and Country concert. My sister and mom wanted to go and so did I. My mom put the tickets to the concert on her credit and I said the infamous words…

“Thanks, I’ll pay you back”

Well about 6 or 7 I’ll pay you backs later and my mother kindly added up what I owed her and she said: “You owe me like $1100”.

Yikes!

So much for being debt free!

I mean that’s not a ton of debt but it’s nothing to sneeze at.

Those “I’ll pay you backs” really add up. They are so sneaky the way they just accumulate like that.

And I hate I mean loathe any form of debt so I’ve got to come up with a plan to pay her back (I think I owe my sister too! Boo hoo!)

And here I am thinking I’m debt-free. But I’m not and any debt is a dark thunderous cloud over my head stalking me at every turn.

No, I’m not being dramatic… ok maybe a little but it’s gotta go. And trust me it will go.

So we are definitely going to get into how I got out of debt but first let’s talk about financial freedom.Continue reading

06/26/2019

in Personal Finance Tips for Women With ADHD by Nicky
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1 comments

5 Secrets To Improving Your Credit Score Even If You’re Scared To Look!

There's no way around it (sorry Dave Ramsey)....

In order to move toward financial freedom, most of us need and or want a high credit score.

Dave calls a good credit score the "I love debt score" and says that we shouldn't to use credit cards at all.

While I agree with him to a certain extent (I talk more about it in this article), not having a good credit score can be crippling financially when it comes to buying a house or a car because the interest rates are so much higher.

And let's be real, as much as I love the idea of never using credit for anything, even a car or a house, realistically, most of us aren't really going to live that way.

If you are someone who doesn't adhere to the idea of using credit for every little thing, then I commend you. I'm right there with you.

But if you've are someone who has been living off of credit cards (been there done that) and ruining your credit but now realize the error of your ways and you want to cut the plastic usage to a reasonable and less frequent amount, then stick around because I want to just briefly discuss an important aspect of improving your credit score.

You see half the battle is knowing how credit reporting agencies calculate your credit scores in the first place.

02/06/2019

How To Save Over $12,000 Even If You Spend Impulsively!

Quick Money Saving Trick

In today’s post, I’m going to share a quick money-saving tip that anyone can follow to start building wealth and moving towards financial freedom.

Is anybody else as slow as I am?

Come on raise your hands…

See I couldn’t figure out something.

Why am I not saving money like I used to?

I just didn’t feel like I was really cracking the whip on my money.

I want to be the boss of my money like a good Financial Peace University graduate should be.

So in this Quick Tip blog post (and by quick, I mean one that doesn’t require my usual 2,000 words), I’m going to show you what I’m going to start doing to save more money.Continue reading

05/17/2018

7 Common Money Habits That Keep You Overwhelmed By Debt!

woman with head in hands Christians not living debt free

7 Habits That Keep You Stuck in Debt (And How to Break Free with God’s Help)

Credit cards.

Student loans.

Mortgages.

Some of us could be drowning in debt and guess what?

We might still decide to finance that vacation we’re going on in July.

That’s because as a society we have this philosophy that credit is free money or this “get it now pay for it later” mindset.

If we want to live debt-free as Christians, we cannot continue this way.

We are called to be good stewards of the money God has entrusted to us.

For so long, I wasn’t a good steward of His money.

I did some silly things with money that got me in major debt and I now regret them but these silly things were also good learning experiences.

I’ve learned that sometimes knowing what you shouldn’t do isn’t a strong enough catalyst to get us to change.

Sometimes, we don’t even realize which financial habits keep us enslaved.

Looking at debt from this angle might help open our eyes.

05/11/2018

3 Simple Credit Card Debt Payoff Strategies That Work Even For Impulsive Spenders!

3 Credit Card Debt Payoff Tips For Women Who Think They Can’t Stop Spending

If we want to reach financial freedom, we have to talk about debt, specifically credit card debt (and some tips to get out of it) which is one of the forms of debt that is strangling Americans the most.

Debt was such a dark cloud over my life.

The burden of debt being lifted off of my shoulders is a feeling I can’t truly describe except to say it felt like freedom.

I imagine it’s the same feeling you get when you retire. It’s an incredible experience.

But getting out of debt isn’t easy or fun because if it was everybody would be doing it.

So how do you get there?Continue reading

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