June 14, 2023 • 15 mins
Are your summer expenses spiraling out of control? Have no fear, because in this episode, I share my struggles with balancing summer expenses and the unexpected surprises that often come with the season. You'll learn how I'm coping with these financial challenges and stay ready for life's curveballs.
I also dive into the importance of developing financial responsibility and budgeting habits, especially when navigating through the costly summer months. From how having children has helped me get better with money, to how my anxiety has shifted from worrying about paying off debt to now worrying about not being able to save as much money as I wanted, I share my experiences and tips for smart summer budgeting.
Join me as I share some helpful summer budgeting advice and discuss how I'm working towards exiting the demanding work tunnel.
Want to work with me?
Check out my ADHD Planning & Coaching service.
Help Me Out!
If you enjoyed this podcast, the best way to help me is share it with a friend. Reviews and ratings are also appreciated:
Click here to leave a review on Apple
Click here to leave a review on my website
Give me five stars on Spotify
Helping ADHD'ers unleash their financial potential through planning and coaching.
DeWittCM.com/adhd to book free discovery session
I also dive into the importance of developing financial responsibility and budgeting habits, especially when navigating through the costly summer months. From how having children has helped me get better with money, to how my anxiety has shifted from worrying about paying off debt to now worrying about not being able to save as much money as I wanted, I share my experiences and tips for smart summer budgeting.
Join me as I share some helpful summer budgeting advice and discuss how I'm working towards exiting the demanding work tunnel.
Want to work with me?
Check out my ADHD Planning & Coaching service.
Help Me Out!
If you enjoyed this podcast, the best way to help me is share it with a friend. Reviews and ratings are also appreciated:
Click here to leave a review on Apple
Click here to leave a review on my website
Give me five stars on Spotify
Helping ADHD'ers unleash their financial potential through planning and coaching.
DeWittCM.com/adhd to book free discovery session
Head over to our YouTube channel for the full experience on future episodes.
Learn more about ADHD-friendly financial coaching
Follow me on YouTube
Subscribe to the newsletter
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
Welcome back to ADHD Money Talk, the show that helps
dynamic but distracted ADHDbrains take back control over
their money in order to stressless, live a more enriching life
and open up new and amazingpossibilities.
And I am your humble and veryADHD host, dave Duit.
Today's episode is going to beme just talking because I
haven't done an episode in alittle while, but I don't really
have anything planned orprepared.
(00:21):
So what's on my mind?
Well, it's coming in the summerand that's a very expensive
time.
I've already noticed in my ownbudget that I said it and I'm
thinking, oh, my goodness, thisis so good, this is prepared,
this is great, but in the summer, for me at least.
Maybe it's a different seasonfor you where this happens, but
(00:45):
there's just little things thatcome up, Like just the little
things that come up.
And so, like, what littlethings has come up for me
recently?
A little thing that's come upfor me is that we're members at
the why And, first of all, thisis something that we should have
(01:06):
canceled a while ago, becausewe're only getting it for the
summer, because we only use thepool.
We don't go at all during theyear, but we pay for it.
So that's stupid on my part.
But we keep telling ourselveswe will use it, but we don't.
But what comes up is the poolthis year, because it was
overcrowded last year.
There's a $300 family pool feenow.
(01:26):
So we went to the pool with ourdaughter and we were ready to
go in and they were like, nope,can't come in until you get the
pool pass.
And they were like alright, getin the pool pass.
So we got that for $300.
Well, there's $300 onto mybudget that I don't know where
that's going to come from.
Well, i mean, i know whereit'll come from.
It'll come from the money thatI was planning to save, but now
I'm saving less because of thatAnd it's like, ah, darn it.
(01:47):
And then we brought our friendsthere yesterday because they
have a little, you know, an 18month old baby, and we wanted to
have them get a chance to checkit out.
It's a nice.
It's a nice Y.
So it's a great Y, a great bigpool with slides and the beach
style, ocean style sort of pool.
But it's like 12 bucks a personfor a guest.
So that's 12 bucks times 3,that's 36 bucks, boom.
(02:07):
So that's 336 on the Y rightthere.
And then, while we're at the Y,they have food there.
You know, i told myselfyesterday I'm sticking to my
plan, i'll go home and make asalad while we're done, whatever
.
But then because everybody elsewas getting food and our
friends were going to get food,you know it's like you know
that's tough to tough situation.
(02:28):
So I got food, we got food, sothat's more money.
So I'm up to like $370.
You know that I didn't initiallyplan for this month onto the
budget at all.
I mean there is a budget forfood and stuff so I mean that
could work out still.
But you know it's just a thing,i'm a yo-yo dieter.
I'm trying to stop that, butI'm currently at not a happy
(02:52):
place.
So I'm trying to be healthierand that means the food gets
more expensive.
It means I'm looking for likegluten free options, i'm looking
for healthy replacements forstuff and that means more money.
So I'm going to be spendingmore money on food.
So things just get expensive.
And then on top of that, youknow, our freezer has a broken
ice machine.
It's been that way for a longtime.
I've been delaying getting anew fridge.
We have food trapped in the topdrawer of our freezer, so
(03:16):
there's all this food in therethat's been trapped for like 6
months and I just it used to bethat I would just the old me,
would have just immediately putout my credit card and bought a
fridge and said I'll just, i'llfigure it out later.
Like I am so different now Ijust do not do that.
I've been saving money intoseparate accounts.
I have an account that'sdedicated for large expenses.
(03:40):
That it's basically whateverlarge expense I'm saving for at
the moment.
So right now it's a newdishwasher, because our
dishwasher has an issue wherewhen my daughter was little, she
would chew on this part of it.
It's like this weird rubberystuff.
And now that's, i guess,accelerated the deterioration of
this rubber stuff.
And now every time we washdishes this rubber stuff is like
molded onto our dishes.
(04:01):
So I have to like rewash themwith my hands and it's terrible.
So like I need a new dishwasher, i need a new fridge.
They're both pretty old and Ihave money saved for them And
then I got my.
Alright, i'm gonna finally pullthe trigger on the dishwasher,
first because I think that's forme that's more important,
because they still have thefreezer, the fridge still works,
dishwasher you know It's a lotof extra work for me and I do
(04:22):
the dishes at home, so I do notlike I hate doing the dishes.
I've gotten used to it bylistening to like 21 pilots of
that band while I do them.
And, by the way, i've beenlistening to 21 pilots, only 21
pilots, like only that band, forabout three months now.
It's all I listen to.
It's been feeding my soul in away I can't explain.
(04:44):
Usually I do that thing where Ilisten to the same song or the
same band for a long time Neverbeen three months of it, though
This is the longest ever.
But anyways, i've gotten usedto doing the dishes just by
putting them music on andjamming out while I do them.
But I hate having to like lookat the dirty stuff and clean it
just like ug ug.
So definitely when thedishwasher solves like alright,
(05:06):
i don't know how much longer wewant to stay in this home, this
house.
We want to have a larger ishfamily.
Right, we have a two and a halfyear old and we have another
child on the way and I want moreafter that, because I've, i
really love being at that and Iknow those people out there that
are like Don't want to bring achild into this crazy world.
I think to myself I'm incontrol of how my child is
(05:30):
raised.
I'm in control of how my childwill perceive things to a
certain extent, because I get tomold them and raise them to be
a good human.
I'm not as worried about thatkind of stuff because I just not
, because I think my kids I'mjust, i just love being a dad.
So maybe it's selfish that I'mhaving kids, but I'm gonna make
them be strong and loved and Seethat evil in the world but also
(05:54):
recognize the good and all thatstuff.
Anyways, it's what happens.
I just talk, i just go wherever.
So, yeah, i don't know how longI want to stay in this home
because I want more kids And Ionly have a three bedroom house
right now, just which is great.
I mean don't get me wrong, i'mfortunate.
I'm lucky to have a home, tohave been able to buy a home,
just so you guys know I did not.
I did.
I put 20% down on my home.
But it wasn't, it was, it wasmoney that was well, i had it
(06:17):
inherited.
So I did it like save up when Iwas 27 years old for a home,
like that did not happen.
I was not financiallyresponsible when I bought this
house.
Now I'm financially responsible.
I was not financiallyresponsible when I bought this
house.
As you may have her from myearlier Make, like the first
episode pretty much, when I kindof go through the Beepstorm
(06:37):
that I went through.
So I'm not gonna buy like likeyeah, of course I go and I see
like the best dishwasher is likethe Bosch, the Bosch is the
Bosch 1000, whatever they'relike 1200 bucks, so I don't need
the best dishwasher for a house.
I'm not gonna stay in that longnecessarily.
I mean, you know, i willprobably want to move upgrade in
a couple years, three years,four years, whenever Once we
just really can't fit.
(06:58):
If you have like four kids,well, like we can fit with four
kids, you have kids share.
But you know, this is part ofwhy I love.
I've now fallen in love withbeing responsible with my money,
because now I have developedthe muscle of control of like I
Will achieve this thing if Ijust do that, if I budget
responsibly and I save, i willbe able to get the bigger house
And be able to transfer equityand have 20% down and still
(07:20):
manage my payment and all thisstuff and beard, you know I can
control.
I get to save money for mydaughter and my kids, for their
college and for whatever I getto do that and provide that for
them and the joy and the goodfeeling that gives me is Key to
me.
It's key That's become my drive.
It's really supported my family.
So for anyone out there whowants a hack to getting good at
(07:42):
money quicker, have kids that's,that's what I'll say.
But um, i'm still talking aboutthe dishwasher here.
So I can't get that dishwasher,i'm not going to.
So I looked for, i'm lookingfor like a middle of the road
one.
I don't want the cheapest one,that's gonna just be a headache
or break or whatever, but Idon't want them as expensive one
.
So I found like a Maytag, like$700 one, great, and I have like
(08:02):
$1200 saved for dishwasher intothe fridge.
I need to have a little bitmore.
I think I go to like check out,i'm gonna put the dishwasher on
my credit card and immediatelythen go to my credit card and
submit an equal payment to payit off immediately from the
savings, like transfer thesavings to the checking and then
do it.
But then installation is like250 and that installation being
(08:23):
250 stopped me.
I was unable to pull thetrigger.
Like I said before, i wouldhave pulled the trigger months
ago if it was the old me.
But even that 250 made me stop.
I'm like I'm gonna save morebecause I don't want to go
through my entire little savingsright now.
I want to wait maybe a weektill I have enough for the
fridge, and so I'm just.
I've developed that muscle tobe able to say no, to be able to
(08:46):
wait, to be patient, and that'sreally important.
It took me a long time tofigure that out.
And yeah, so summer isexpensive for me.
There's always like ancillaryexpenses.
You know we're going to begoing on trips.
I have a trip coming up in Julywhich I pre-saved a lot of
money for it already, but I needto do a little bit more.
I guess now that I'm like verycautious about my money and I'm
(09:07):
very like I track very closely,i just I get this.
you know, my anxiety has kindof switched from like how it
used to be when it was like I amin so much debt.
I'm in such a how am I going toget out of this?
My income is not increasinglike I thought I would.
Yada, yada, yada.
Now my anxiety is I don't thinkI'm going to be able to save as
much as I wanted to, but I knowI'm going to be able to save
money, just not as much as Imaybe wanted to, which is a much
(09:30):
better anxiety to have, andI'll always find a way to have
anxiety because I have anxiety.
So that's very much thecomorbidity with my ADHD.
I believe my ADHD caused myanxiety from just a
treacherously difficultchildhood.
Not difficult in the sense thatI had those parented poorly or
(09:51):
I didn't have friends orwhatever, but it's just
treacherous in the sense thatjust constantly invalidated and
constantly being made to feelstupid, i mean that's the worst.
I mean that's why I'm like aperfectionist, that's why I'm
all these kinds of things thatthat are frustrating.
Like when I'm trying to like,do my job.
It's very hard because I'mtrying to help people and I'm
trying to be perfect, i'm tryingto build the perfect plan and
(10:12):
make it perfectly formatted anddo all, and it just drives me
insane.
I'm like, why are you doingthis?
It's fine, just make it simple,keep it simple, stupid.
But I could say keep it simple,stupid a thousand times in my
head, but I still won't make itsimple.
So I'm working on that.
My philosophy on budgetingcategories has changed quite a
bit.
I used to be an advocate forkeep just a few budget
(10:33):
categories, just big buckets,just so make it not too
complicated.
I'm now much more granular andthat's been very helpful for me
because, first of all, i'm usingMonarch money now, which I
talked about in the last episode.
The rule setting is much betteron this, so I can be granular
but I don't have to make it theextra work.
I'm one of those people thatthinks that this is probably
(10:55):
like narcissistic thing orsomething.
I don't know.
Dave stops saying that, um, butI think that if I think it's
exciting, i think other peopleshould think it's exciting.
But it's not how it goes.
Like I think things areexciting, other people think are
deadly boring.
But what excites me is What'smotivating to me to use a lot of
categories now is I'm justlooking forward to like three
(11:16):
years down the road and I canlook back and just see exactly
how much I spent on a granularcategory, just to see.
I just want to see that andknow that.
But I want to feel good when Isee that And this is the key to
actually wanting to look at yourbudget And bar none.
This is the key I'm telling youright now If you stick to the
budget, just do it for one month.
(11:38):
Just whatever it takes to makeyourself do it.
Just do the damn thing.
Stick to the damn budget.
Put all the boundaries up youneed.
Tell your friends you're notgoing out this month.
Your practice is experimentingwith the weaning you know.
Dispend, spend less thing.
Stick to the budget for onemonth.
Save all that money you cansave And look at your budgeting
app, whatever you're doing, totracking and see the progress
(11:59):
and the success.
And then you're going to get aswelling of relief And, like I,
can do this.
You just need the confidence tobelieve that you can do it.
So many, i think so much of theproblem is we just don't
believe that we can do itbecause we haven't yet.
So, just for one month, juststick to it.
You know the things you got todo.
(12:20):
Just stick to it.
And while you're doing that,you're going to want to look at
your app.
I'm telling you you're in yourbudgeting app.
You're going to want to becauseyou're going to see that you're
on track And that's a positivereward, that's a that gives you
a positive feedback.
When you're not looking at yourstuff, it's because you know in
the back of your mind you'remessing it all up.
You know, you, you, you knowthat you, you made some
(12:42):
impulsive purchases and youdon't even want to see how
that's affected your progress.
So just don't.
I know it's like the stupidestthing to say to someone with
ADHD is just like, don't do itJust.
You just just try harder, butlike, but seriously set up the
boundaries for one month, for,like, literally cut up your
credit cards for a month.
You can just order a new one,say it's damaged, just cut them
(13:02):
up.
Just don't do it.
Just do not use them.
Whatever it takes, just don'tdo it for one month.
Make aggressive goals, practicebeing frugal, just just do it.
I'm telling you it'll be soworth it.
So that's what I'm going to say.
So maybe that's really whatthis episode is about.
But yeah, summer's expensiveThings come up.
(13:22):
So, for those of you that arebudgeting, find somewhere where
you can pull back even more andthen, to make room and add a
little bit extra to those sortof mis like not miscellaneous,
but like just in generalcategories just add more to the
general categories of thatusually come up in summer And
then remember, as you're goingthrough the month, you have to
be adapting to the budget.
So if the month happens to befood, that's the month that
(13:46):
summer's causing to be moreexpensive than you know.
As a month goes on, like, makethe budget bigger for the food
but at the same time, pull itback in other places.
That's what I would say to doAnd yeah, so let's leave it at
that.
That's my podcast episode fortoday.
There's some good stuff inthere.
I hope you enjoyed just hearingme talk about whatever's on my
mind.
That's what's on my mind.
(14:06):
This was much easier for me, soI hope you liked it.
This is me being a lazypodcasting, but maybe the lazy
podcasting is a good thing.
Okay, so I hopefully I'll talkto you more frequently because
I'm seeing the light at the endof my stressful work tunnel.
So we'll talk to you soon.
Welcome back to ADHD Money Talk, the show that helps
dynamic but distracted ADHDbrains take back control over
their money in order to stressless, live a more enriching life
and open up new and amazingpossibilities.
And I am your humble and veryADHD host, dave Duit.
Today's episode is going to beme just talking because I
haven't done an episode in alittle while, but I don't really
have anything planned orprepared.
(00:21):
So what's on my mind?
Well, it's coming in the summerand that's a very expensive
time.
I've already noticed in my ownbudget that I said it and I'm
thinking, oh, my goodness, thisis so good, this is prepared,
this is great, but in the summer, for me at least.
Maybe it's a different seasonfor you where this happens, but
(00:45):
there's just little things thatcome up, Like just the little
things that come up.
And so, like, what littlethings has come up for me
recently?
A little thing that's come upfor me is that we're members at
the why And, first of all, thisis something that we should have
(01:06):
canceled a while ago, becausewe're only getting it for the
summer, because we only use thepool.
We don't go at all during theyear, but we pay for it.
So that's stupid on my part.
But we keep telling ourselveswe will use it, but we don't.
But what comes up is the poolthis year, because it was
overcrowded last year.
There's a $300 family pool feenow.
(01:26):
So we went to the pool with ourdaughter and we were ready to
go in and they were like, nope,can't come in until you get the
pool pass.
And they were like alright, getin the pool pass.
So we got that for $300.
Well, there's $300 onto mybudget that I don't know where
that's going to come from.
Well, i mean, i know whereit'll come from.
It'll come from the money thatI was planning to save, but now
I'm saving less because of thatAnd it's like, ah, darn it.
(01:47):
And then we brought our friendsthere yesterday because they
have a little, you know, an 18month old baby, and we wanted to
have them get a chance to checkit out.
It's a nice.
It's a nice Y.
So it's a great Y, a great bigpool with slides and the beach
style, ocean style sort of pool.
But it's like 12 bucks a personfor a guest.
So that's 12 bucks times 3,that's 36 bucks, boom.
(02:07):
So that's 336 on the Y rightthere.
And then, while we're at the Y,they have food there.
You know, i told myselfyesterday I'm sticking to my
plan, i'll go home and make asalad while we're done, whatever
.
But then because everybody elsewas getting food and our
friends were going to get food,you know it's like you know
that's tough to tough situation.
(02:28):
So I got food, we got food, sothat's more money.
So I'm up to like $370.
You know that I didn't initiallyplan for this month onto the
budget at all.
I mean there is a budget forfood and stuff so I mean that
could work out still.
But you know it's just a thing,i'm a yo-yo dieter.
I'm trying to stop that, butI'm currently at not a happy
(02:52):
place.
So I'm trying to be healthierand that means the food gets
more expensive.
It means I'm looking for likegluten free options, i'm looking
for healthy replacements forstuff and that means more money.
So I'm going to be spendingmore money on food.
So things just get expensive.
And then on top of that, youknow, our freezer has a broken
ice machine.
It's been that way for a longtime.
I've been delaying getting anew fridge.
We have food trapped in the topdrawer of our freezer, so
(03:16):
there's all this food in therethat's been trapped for like 6
months and I just it used to bethat I would just the old me,
would have just immediately putout my credit card and bought a
fridge and said I'll just, i'llfigure it out later.
Like I am so different now Ijust do not do that.
I've been saving money intoseparate accounts.
I have an account that'sdedicated for large expenses.
(03:40):
That it's basically whateverlarge expense I'm saving for at
the moment.
So right now it's a newdishwasher, because our
dishwasher has an issue wherewhen my daughter was little, she
would chew on this part of it.
It's like this weird rubberystuff.
And now that's, i guess,accelerated the deterioration of
this rubber stuff.
And now every time we washdishes this rubber stuff is like
molded onto our dishes.
(04:01):
So I have to like rewash themwith my hands and it's terrible.
So like I need a new dishwasher, i need a new fridge.
They're both pretty old and Ihave money saved for them And
then I got my.
Alright, i'm gonna finally pullthe trigger on the dishwasher,
first because I think that's forme that's more important,
because they still have thefreezer, the fridge still works,
dishwasher you know It's a lotof extra work for me and I do
(04:22):
the dishes at home, so I do notlike I hate doing the dishes.
I've gotten used to it bylistening to like 21 pilots of
that band while I do them.
And, by the way, i've beenlistening to 21 pilots, only 21
pilots, like only that band, forabout three months now.
It's all I listen to.
It's been feeding my soul in away I can't explain.
(04:44):
Usually I do that thing where Ilisten to the same song or the
same band for a long time Neverbeen three months of it, though
This is the longest ever.
But anyways, i've gotten usedto doing the dishes just by
putting them music on andjamming out while I do them.
But I hate having to like lookat the dirty stuff and clean it
just like ug ug.
So definitely when thedishwasher solves like alright,
(05:06):
i don't know how much longer wewant to stay in this home, this
house.
We want to have a larger ishfamily.
Right, we have a two and a halfyear old and we have another
child on the way and I want moreafter that, because I've, i
really love being at that and Iknow those people out there that
are like Don't want to bring achild into this crazy world.
I think to myself I'm incontrol of how my child is
(05:30):
raised.
I'm in control of how my childwill perceive things to a
certain extent, because I get tomold them and raise them to be
a good human.
I'm not as worried about thatkind of stuff because I just not
, because I think my kids I'mjust, i just love being a dad.
So maybe it's selfish that I'mhaving kids, but I'm gonna make
them be strong and loved and Seethat evil in the world but also
(05:54):
recognize the good and all thatstuff.
Anyways, it's what happens.
I just talk, i just go wherever.
So, yeah, i don't know how longI want to stay in this home
because I want more kids And Ionly have a three bedroom house
right now, just which is great.
I mean don't get me wrong, i'mfortunate.
I'm lucky to have a home, tohave been able to buy a home,
just so you guys know I did not.
I did.
I put 20% down on my home.
But it wasn't, it was, it wasmoney that was well, i had it
(06:17):
inherited.
So I did it like save up when Iwas 27 years old for a home,
like that did not happen.
I was not financiallyresponsible when I bought this
house.
Now I'm financially responsible.
I was not financiallyresponsible when I bought this
house.
As you may have her from myearlier Make, like the first
episode pretty much, when I kindof go through the Beepstorm
(06:37):
that I went through.
So I'm not gonna buy like likeyeah, of course I go and I see
like the best dishwasher is likethe Bosch, the Bosch is the
Bosch 1000, whatever they'relike 1200 bucks, so I don't need
the best dishwasher for a house.
I'm not gonna stay in that longnecessarily.
I mean, you know, i willprobably want to move upgrade in
a couple years, three years,four years, whenever Once we
just really can't fit.
(06:58):
If you have like four kids,well, like we can fit with four
kids, you have kids share.
But you know, this is part ofwhy I love.
I've now fallen in love withbeing responsible with my money,
because now I have developedthe muscle of control of like I
Will achieve this thing if Ijust do that, if I budget
responsibly and I save, i willbe able to get the bigger house
And be able to transfer equityand have 20% down and still
(07:20):
manage my payment and all thisstuff and beard, you know I can
control.
I get to save money for mydaughter and my kids, for their
college and for whatever I getto do that and provide that for
them and the joy and the goodfeeling that gives me is Key to
me.
It's key That's become my drive.
It's really supported my family.
So for anyone out there whowants a hack to getting good at
(07:42):
money quicker, have kids that's,that's what I'll say.
But um, i'm still talking aboutthe dishwasher here.
So I can't get that dishwasher,i'm not going to.
So I looked for, i'm lookingfor like a middle of the road
one.
I don't want the cheapest one,that's gonna just be a headache
or break or whatever, but Idon't want them as expensive one
.
So I found like a Maytag, like$700 one, great, and I have like
(08:02):
$1200 saved for dishwasher intothe fridge.
I need to have a little bitmore.
I think I go to like check out,i'm gonna put the dishwasher on
my credit card and immediatelythen go to my credit card and
submit an equal payment to payit off immediately from the
savings, like transfer thesavings to the checking and then
do it.
But then installation is like250 and that installation being
(08:23):
250 stopped me.
I was unable to pull thetrigger.
Like I said before, i wouldhave pulled the trigger months
ago if it was the old me.
But even that 250 made me stop.
I'm like I'm gonna save morebecause I don't want to go
through my entire little savingsright now.
I want to wait maybe a weektill I have enough for the
fridge, and so I'm just.
I've developed that muscle tobe able to say no, to be able to
(08:46):
wait, to be patient, and that'sreally important.
It took me a long time tofigure that out.
And yeah, so summer isexpensive for me.
There's always like ancillaryexpenses.
You know we're going to begoing on trips.
I have a trip coming up in Julywhich I pre-saved a lot of
money for it already, but I needto do a little bit more.
I guess now that I'm like verycautious about my money and I'm
(09:07):
very like I track very closely,i just I get this.
you know, my anxiety has kindof switched from like how it
used to be when it was like I amin so much debt.
I'm in such a how am I going toget out of this?
My income is not increasinglike I thought I would.
Yada, yada, yada.
Now my anxiety is I don't thinkI'm going to be able to save as
much as I wanted to, but I knowI'm going to be able to save
money, just not as much as Imaybe wanted to, which is a much
(09:30):
better anxiety to have, andI'll always find a way to have
anxiety because I have anxiety.
So that's very much thecomorbidity with my ADHD.
I believe my ADHD caused myanxiety from just a
treacherously difficultchildhood.
Not difficult in the sense thatI had those parented poorly or
(09:51):
I didn't have friends orwhatever, but it's just
treacherous in the sense thatjust constantly invalidated and
constantly being made to feelstupid, i mean that's the worst.
I mean that's why I'm like aperfectionist, that's why I'm
all these kinds of things thatthat are frustrating.
Like when I'm trying to like,do my job.
It's very hard because I'mtrying to help people and I'm
trying to be perfect, i'm tryingto build the perfect plan and
(10:12):
make it perfectly formatted anddo all, and it just drives me
insane.
I'm like, why are you doingthis?
It's fine, just make it simple,keep it simple, stupid.
But I could say keep it simple,stupid a thousand times in my
head, but I still won't make itsimple.
So I'm working on that.
My philosophy on budgetingcategories has changed quite a
bit.
I used to be an advocate forkeep just a few budget
(10:33):
categories, just big buckets,just so make it not too
complicated.
I'm now much more granular andthat's been very helpful for me
because, first of all, i'm usingMonarch money now, which I
talked about in the last episode.
The rule setting is much betteron this, so I can be granular
but I don't have to make it theextra work.
I'm one of those people thatthinks that this is probably
(10:55):
like narcissistic thing orsomething.
I don't know.
Dave stops saying that, um, butI think that if I think it's
exciting, i think other peopleshould think it's exciting.
But it's not how it goes.
Like I think things areexciting, other people think are
deadly boring.
But what excites me is What'smotivating to me to use a lot of
categories now is I'm justlooking forward to like three
(11:16):
years down the road and I canlook back and just see exactly
how much I spent on a granularcategory, just to see.
I just want to see that andknow that.
But I want to feel good when Isee that And this is the key to
actually wanting to look at yourbudget And bar none.
This is the key I'm telling youright now If you stick to the
budget, just do it for one month.
(11:38):
Just whatever it takes to makeyourself do it.
Just do the damn thing.
Stick to the damn budget.
Put all the boundaries up youneed.
Tell your friends you're notgoing out this month.
Your practice is experimentingwith the weaning you know.
Dispend, spend less thing.
Stick to the budget for onemonth.
Save all that money you cansave And look at your budgeting
app, whatever you're doing, totracking and see the progress
(11:59):
and the success.
And then you're going to get aswelling of relief And, like I,
can do this.
You just need the confidence tobelieve that you can do it.
So many, i think so much of theproblem is we just don't
believe that we can do itbecause we haven't yet.
So, just for one month, juststick to it.
You know the things you got todo.
(12:20):
Just stick to it.
And while you're doing that,you're going to want to look at
your app.
I'm telling you you're in yourbudgeting app.
You're going to want to becauseyou're going to see that you're
on track And that's a positivereward, that's a that gives you
a positive feedback.
When you're not looking at yourstuff, it's because you know in
the back of your mind you'remessing it all up.
You know, you, you, you knowthat you, you made some
(12:42):
impulsive purchases and youdon't even want to see how
that's affected your progress.
So just don't.
I know it's like the stupidestthing to say to someone with
ADHD is just like, don't do itJust.
You just just try harder, butlike, but seriously set up the
boundaries for one month, for,like, literally cut up your
credit cards for a month.
You can just order a new one,say it's damaged, just cut them
(13:02):
up.
Just don't do it.
Just do not use them.
Whatever it takes, just don'tdo it for one month.
Make aggressive goals, practicebeing frugal, just just do it.
I'm telling you it'll be soworth it.
So that's what I'm going to say.
So maybe that's really whatthis episode is about.
But yeah, summer's expensiveThings come up.
(13:22):
So, for those of you that arebudgeting, find somewhere where
you can pull back even more andthen, to make room and add a
little bit extra to those sortof mis like not miscellaneous,
but like just in generalcategories just add more to the
general categories of thatusually come up in summer And
then remember, as you're goingthrough the month, you have to
be adapting to the budget.
So if the month happens to befood, that's the month that
(13:46):
summer's causing to be moreexpensive than you know.
As a month goes on, like, makethe budget bigger for the food
but at the same time, pull itback in other places.
That's what I would say to doAnd yeah, so let's leave it at
that.
That's my podcast episode fortoday.
There's some good stuff inthere.
I hope you enjoyed just hearingme talk about whatever's on my
mind.
That's what's on my mind.
(14:06):
This was much easier for me, soI hope you liked it.
This is me being a lazypodcasting, but maybe the lazy
podcasting is a good thing.
Okay, so I hopefully I'll talkto you more frequently because
I'm seeing the light at the endof my stressful work tunnel.
So we'll talk to you soon.
Popular Podcasts
Crime Junkie
Does hearing about a true crime case always leave you scouring the internet for the truth behind the story? Dive into your next mystery with Crime Junkie. Every Monday, join your host Ashley Flowers as she unravels all the details of infamous and underreported true crime cases with her best friend Brit Prawat. From cold cases to missing persons and heroes in our community who seek justice, Crime Junkie is your destination for theories and stories you won’t hear anywhere else. Whether you're a seasoned true crime enthusiast or new to the genre, you'll find yourself on the edge of your seat awaiting a new episode every Monday. If you can never get enough true crime... Congratulations, you’ve found your people. Follow to join a community of Crime Junkies! Crime Junkie is presented by audiochuck Media Company.
24/7 News: The Latest
The latest news in 4 minutes updated every hour, every day.
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.