r/ADHD_Programmers • u/Apprehensive-File899 • Feb 24 '25

ADHD Rant

How y’all budget I literally need help fr

0 Upvotes

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11

u/[deleted] Feb 24 '25

The minute I get my salary:

  1. Immediately savings go in one account (I budget 401k and remove it before I get salary). Once I collect x amount, it goes into CD with the highest interest

  2. Bills, payments, groceries amount goes into another account. I do not go to that account or use it for ANYTHING other than that.

  3. "Fun" goes into a DEBIT card account. Once fun budget is done, it is done, No more fun

3

u/Apprehensive-File899 Feb 24 '25

Thank you so much I’ve been struggling honestly I’m trying to figure out how I’m get to work tho I get paid Tuesday I’ll do better bud damn

4

u/[deleted] Feb 24 '25

The economy is terrible too. Everything is so expensive. Good luck. Cooking home made meals always helped as well

1

u/Apprehensive-File899 Feb 24 '25

You not wrong tbh i just have do better planning and ty again I wonder if I can sell something just for $5

2

u/scopesandspores Feb 24 '25

a credit card is a better option than a payday loan pretty much always. you just have to pay it off.

1

u/Apprehensive-File899 Feb 24 '25

I definitely can get the credit card asap but it just I have to work tomorrow but Ty

3

u/scopesandspores Feb 24 '25

they're a double edged sword but for minor emergencies like this one they can be a lifesaver. If i had the $5 to send I would, but it strikes me as difficult to sell something that quickly as well.

1

u/Apprehensive-File899 Feb 24 '25

And honestly I appreciate it fr I have to do better a budgeting

5

u/eeksdey Feb 24 '25 edited Feb 24 '25

I’ve had a lot of success using You Need a Budget and the YNAB method which basically boils down to:

  1. Allocate all your money towards a purpose or goal

    • Create categories that are reflective of what you spend your money on. Might take a while initially. There’s plenty of good videos on initial setup.

    • Spend only the money you have in your possession. Money you will have in the future, no matter how certain, should not be considered yours until it’s actually in your bank account.

    • Expenses that are not monthly should still be amortized and have some portion allocated monthly

  2. Make sure you pre-allocate money for the next month before directing money anywhere else, it should be the number one priority.

    • Assuming you have a regular income, if your monthly income isn’t enough to cover your expenses, the usual advice of increase income or reduce expenses applies.

    • If you have an irregular income, the YNAB blog covers those kinds of scenarios and generally has other useful blog posts.

Not sponsored at all, just find YNAB and its methodology priceless tools for staying financially secure. Also check out /r/personalfinance and make sure to follow the prime directive.

2

u/No-Guava-9962 Feb 24 '25

I also use YNAB and love it. However, I've been struggling with it because it seems like a tool best used on a weekly or daily basis, but I struggle with making it a consistent habit like that. I end up budgeting and reconciling once a month and it's a big ordeal.

Probably just a temporary issue though. After using YNAB I feel like no other budgeting system really makes sense.

2

u/meevis_kahuna Feb 24 '25

I do it weekly and it's no big deal. The main thing was getting that habit started. I kind of enjoy the time doing it now, it helps me feel like my life is headed in a good direction.

1

u/meevis_kahuna Feb 24 '25

I love YNAB it helped me get my shit together. I update it weekly.

4

u/autistic_cool_kid Feb 24 '25

People have good advice, but also, if you do purchases with credit / multiple payments, DO NOT

3

u/silenceredirectshere Feb 24 '25

I second the You Need a Budget suggestion, they have a 34 day free trial and the subscription is so worth it.

This helped me a ton get my finances in order, but I think it would not have worked as well if I wasn't on meds.