Never Forget a Bill Again: ADHD-Friendly Money Management Strategies | 110

In this episode of Debt Rebel, Jewlz The Budget Nerd shares practical, ADHD-friendly money management strategies to never forget a bill again.

Managing finances with adult ADHD or executive dysfunction can be challenging, especially when it comes to staying on top of bills and payments.

What You'll Learn:

The importance of systems in bill management

Using automation to prevent missed payments

Setting up auto pay through bank accounts

Managing bills with ADHD and executive dysfunction

Creating a weekly financial review routine

Jewlz walks you through setting up effective systems, automation techniques, and mindset shifts that simplify your money system and eliminate stress from bill management.

Learn how to use auto pay for your most important bills, create a separate email for bill notifications, and tailor payment dates to fit your pay schedule.

These judgment free finance tips support adults with ADHD and neurodivergent money habits in building reliable routines and reducing financial anxiety.

Whether you're looking for debt reduction strategies or practical budgeting advice, this episode provides actionable steps towards simplifying finances and gaining control over your money.

Vote the Women Podcasters Award Here: ⁠https://debtrebelpodcast.com/⁠

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: https://www.jewlzthebudgetnerd.com/services

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

https://www.jewlzthebudgetnerd.com/guide

Let's Hang Out on Threads

Follow Jewlz on Threads: https://www.threads.com/@jewlzthebudgetnerd

Full Show Notes: https://www.jewlzthebudgetnerd.com/blog/stop-forgetting-to-pay-bills

Podcast Disclaimer:

This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

Episode Transcript

(00:00):
All right, hello, and welcome totoday's episode.
I just want to say a special shout out and welcome to Jade
and Sherry for jumping on my website
[e-mail] you're interested in learning
a little bit more, I'm taking your next step.

(00:20):
Thank you for joining me. Thank you for making this
podcast what it is. It has been nominated for a
Women Podcaster Award again for this year.
So if you're listening to this live voting is taking place now.
So I would love your vote that is going to be in the show
notes. And if you're listening to this
after April 30th, 2026, voting has closed.

(00:41):
But I appreciate your support very much.
Today we're going to talk about forgotten bills.
Why we forget bills? If you're the kind of person
that says how do I stop forgetting to pay my bills?
So missing a missing a bill doesnot mean you're irresponsible.
It means that the system that you have set up currently isn't
working for you. So it's broken.
So let's talk about how we can fix it.

(01:02):
Because it's not that we are thetype of people that say, hey, I
don't really want to pay my bills, so I'm just going to
forget about it. No, we just life happens.
It slips our minds. There's so many other things on
our minds. And if you're like myself and
you struggle with ADHD, relying on our memory is not a great
system right then, especially when it comes to our finances.

(01:23):
And so I think this is one of the reasons why if you struggle
with some of those, some of the symptoms of ADHD like executive
dysfunction and time blindness, that this is where getting our
bills paid on time can really feel like pushing a rock uphill.
So one of the things that I havefound is reminders alone aren't
the solution. I do have those set up on my

(01:46):
phone to make sure that that those have gone through that
certain bills have gotten paid. So I rely on automation a lot.
And now I want to make sure thatyou hear me say that I'm relying
on automation is not a crutch. This is a support tool that you
can use for your brain. It's part of the system.
It helps make sure that your bills get paid on time because

(02:07):
we can think that, you know, maybe a week has gone by, but
actually it's been 3 weeks, maybe it's been a month.
Or do you have those really annoying bills?
I think they're super annoying because they only get paid every
three months or every other month.
So usually those are kind of like the utility bills, right?
So we really want to make sure that we keep our water on and
our power on for our families, right?

(02:27):
So those types of things, makingsure that the bills that are
really important, I like to say automate the important things
that are very important to like the survival mode budget is
making sure those things are on auto pay.
Now that's something that I do and it has been very helpful for
me. And I just make sure that, you
know, we have them spaced out. You can talk to your your

(02:50):
billers to find out if a due date can be changed.
One thing that I started doing was paying them before the due
date. And I know this sounds a little,
this can sound a little bit crazy, but stick with me because
this has been really helpful forus to stay ahead.
So I will set up my auto pay. Now, one thing that I highly
recommend is to use your bank's auto pay and not the provider.

(03:14):
You're you're whoever you're paying the bill to is not using
their auto pay system because then that's more things you have
to keep track of. If you can log into your bank's
bill pay, most of them are free now and you can pay your bills
right then and there. You can see when the dates come
out, you can look at your calendar and know when your pay
periods are so that you know howmuch money is coming in so that

(03:37):
money will be there. And then I set those to you know
that the next the next day. So if you get paid every other
Friday, then that following Monday, I, I'll, I have that
auto pay set up to go out. And so I know during that pay
period which bills are going to be going out and those, those
are taken care of. So then I just use some
reminders to double check and make sure, OK, those things have

(03:58):
gone through. Everything is everything.
Today's challenge is to just setup auto pay for one of your
bills. Now this is, this is part of the
overall system that I teach. All right.
So if if paying your bills on time and missing those is a
challenge for you, then I highlyrecommend setting up auto pay.
Now you might get your bill in the mail or if you get it by

(04:21):
e-mail, which I highly recommend, This is a bonus tip.
I've mentioned this a few times on the show before, but having
an e-mail that is separate that it's separate from your
personal, separate from your work e-mail.
So I know it's one more thing, but the nice part about that is
bills don't get lost and shuffled into into your personal
e-mail. But also it helps with knowing,

(04:42):
OK, this is my time that I have set aside to work on my
finances. So it's your, it's your weekly
money date that you set with yourself.
And you can go into that e-mail,see what needs to be paid.
Make sure the auto pays like we're talking about today.
Those auto pays have gone through or if any new bills are
coming up. The nice part about that too is
if you need to adjust some because some bills the same

(05:05):
amount every single month, correct?
So this helps you get ahead of it.
You can adjust that auto pay andit simplifies the system.
It takes a minute to set up, buttoday's challenge is to just set
up one auto pay for one of your bills.
One that I highly recommend is your mortgage or your rent to
make sure that that is taken care of and you're never behind

(05:27):
in that one because you want to make sure you keep a roof over
your head. So that's a great place to start
or one of the other bills that goes into maintaining your
household. So things like utilities, those
are another place if you need some ideas on where to start
with that auto pay, Having that set up is going to help you set
up the rest of this system moving forward.

(05:48):
And that's what we do inside themembership.
So I walk you through how to setup a simple bill pay system so
that you don't have to worry about if your bills got paid,
you know they're going to be paid.
It's a bigger Peace of Mind for yourself, but also it's going to
help you stay on track because late fees are the thing that
will slowly drain your budget and you're not going to get you,

(06:08):
there's zero benefit from it. So that's one thing that will,
that's a huge, a huge benefit from auto pays is setting that
up so that it is taken care of. So I know some people have some
reservation and some anxiety about auto pay.
That's why I highly encourage you to do it through your bank's
bill pay or auto pay, because that's one login.

(06:30):
You can control it and you can stop it faster.
If for whatever reason things get things get off track then
having to log into each each place that you pay bills to and
have to figure out, OK wait whendoes this one hit?
When does this one hit? When does that one hit?
If you use that, every dollar app like I use, it will help you
also predict based on your pay periods when the best time to

(06:52):
pay those bills is. So for example, get paid on the
1st, but you pay your mortgage or your rent on the first, then
that's going to be a bigger chunk out of that pay period.
So maybe you pay some of your smaller bills for your next pay
period and so you can set that up and having a calendar printed
out to look and see when those do those are due is going to

(07:13):
help you also. But you can use that every
dollar app, there's a paycheck planning section in there that's
really helpful to see whether ornot when you can, if you need to
change your due dates, that'll help you set that up so that
your system is seamless and flawless.
And it's 1 less thing to think about, but it also takes care of
itself in the background so you can focus on other things.

(07:33):
So I hope that today's episode was helpful for you.
It is a way to help get started in setting up your full
financial system that's going towork in the background.
And then you can do these littlespot checks and maintenance
stuff throughout throughout the month so you're not spending all
of your time managing your money.
All right, we'll talk with you in the next episode.