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Money and ADHD

Money and ADHD

Forgot to pay bill? Debt collection letters? Credit rates not paid?  Constantly exhausted? Account balance failed again? Again needed extra money from the bank? The overview of your own account completely lost?

Many citizens often cannot imagine something like that. However, this is not so uncommon in ADHD adults. Especially today, where you can easily order by mouse click, it happens that the own account is not only overdrawn, but that one is already completely broke for the 15th of a month. Reason: You easily lose the overview when you pay with "book money". EC and credit card then get the remaining problems.

The topic of money then not only burden your own sleep, but also brings difficulties in the relationship, or in the family with it. Since then money is borrowed from others and you are always negative in conversation, if you have once again done something in the bill chaos.

There are different ways and approaches to learn how to handle money. However, all require foresight and self-discipline. Both ADHD patients usually do not have either. And therein lie the difficulties and causes of the problem itself.

Pay bills immediately

Invoices must be paid immediately. First, then they are done, and secondly, then you are a customer who, if it really forgets, is not immediately burned on the "pyre", if it is forgotten.

Even if the payment term is only in two weeks, it is advisable to pay the bill immediately. Imagine if your employer tells you he will not pay you until two weeks ... or later. How would you react?

Cash is king

The simplest solution is, in a sense, the most time-consuming: it only pays for cash that you own at home. You have to calculate in advance how much money you have in the month at leisure.

The difficulty is obvious: You have to either have your expenses in mind, or put on paper to get an overview. You also have to apply the discipline, and then not withdraw more money from the account. And the free money has to last four weeks and be divided.

Waiver of EC and credit card

Often with purchases or orders the amounts are withdrawn only days later from the account. This leads to the fact that you can quickly lose the overview of due bills.

The simplest is here: Do not use EC and credit cards. Use cash. If this does not work, e.g. for direct debits in Internet shops, then note the upcoming payment due date. Keep the order confirmation email in your inbox until the bill is paid. So you always have the bill in mind and cannot forget it.

Financial Overview

A financial overview is worth cash. You always know which bill comes when, and how much money is at your disposal. You also know how much money you have to put away every month to pay for insurance on time.

With credit installments you can enter the remaining number of installments, and know exactly when you've made it - and have more money in the cash register.

Check account regularly

Check your account and account transactions several times a week. That way, you always know how much money is left.

Do not lie to yourself

Say goodbye to statements such as "I'll pay later" or "I'll do it next month," or "I'll balance out later," and so on. They are lying to themselves. Because every bill that is not paid this month has to be paid next month. You will not have money next month, but you expect it every month. And that is the sure way to the mountain of debt.

No debts

Do not make debts. If you're planning a larger purchase, save it. Do not buy it on credit. Such loans are everywhere today, and most are also approved. This too is the beginning of the debt trap. You cannot spend what you do not have!

Sometimes it is not different. For example, with high dental bills are quickly times several hundred euros due. Enter such rates in the financial overview - immediately and not later.

Saving wants to be learned

Everyone has problems and needs fast money. Be it for a car repair or for a vacation. If you prefer to place a savings account or money market account with your bank, you will be happy to advice. Deposit a fixed amount each month to fund "special requests".

Even small sums of fifty euros a month can be saved once a year a nice holiday or a new PC easily and without difficulty.

Communication and ADHD is a very difficult topic. And to convey this, how an adult with ADHD ticks, is not so easy to explain. This is especially true when someone cannot even begin to imagine that. Because what is "normal" for others is anything but normal in ADHD

Living with ADHD - A Daily Challenge

Due to the typical symptoms, ADHD not only affects the lives of the affected children, but also that of their parents, siblings, friends and teachers.

Despite the best efforts, a child with ADHD can find it difficult to behave as expected. Since children with ADHD tend to be particularly impulsive, they struggle to be in social contact. They quickly get frustrated and get annoyed.

The influence of ADHD on friendships and relationships

Often, parents turn to pediatricians, psychiatrists, or psychologists if their child has problems in contact with others because of their ADHD symptoms. The impulsivity and self-centeredness can be problematic in relationships with others, especially in adolescence.

Adolescents with ADHD often have deficits in social contact and have difficulty communicating appropriately. Thus, they often create incomprehension with their counterpart, because their body language and facial expression are not always easy to interpret for others.

In childhood, distractibility, impulsivity, hypersensitivity, overreaction, individualism, and a lack of self-control can interfere with learning social skills. Children with ADHD can not capture certain details of social interaction that are helpful in acquiring these skills. In addition, as adolescents, they often experience forms of isolation or rejection due to symptoms such as: Eg selfishness, negligence or indifference. These problems are usually due to late diagnosis.

Even low self-esteem (a common result of ADHD) can cause problems in contact with others. Many ADHD sufferers already know the break-up of friendships as well as the difficulties in living together with parents and siblings.

Which symptoms burden the social contacts especially?

Lack of communication

Lack of ability to communicate has a disruptive effect on the development of healthy communication with others. Without them being aware, children and adolescents with ADHD often lack the important ability to communicate appropriately. The development of this ability in infancy is therefore enormously important, which in turn requires an early diagnosis.

Emotional sensitivity and overreaction

Children and adolescents with ADHD are particularly vulnerable and are quickly annoyed, even on the smallest changes in their environment they can react both emotionally and physically instinctively. The emotional world of people with ADHD differs from that of others. Handling and understanding this can be a big challenge for your fellow human beings.


Not thinking about the consequences before acting can also have a massive impact on relationships with others.

Staying power

If someone has problems organizing themselves or remembering things, conflicts can arise that permanently negatively affect contacts with others. Forgetfulness and a lack of organizational ability can lead, among other things, to the loss of keys or the neglect of household responsibilities.

This leads to lack of trust and disappointment among the other family members, perhaps also to feelings of anger and discrimination. Getting advice and support for the family here can help everyone, not just your child, who is affected by ADHD.

What does that mean in detail?

ADHD has a strong impact on almost all areas of personal life, including contacts with other children and adults. Due to their impulsive behavior, the affected children are often hostile and destructive. They feel angry in stressful situations and are very frustrated. Often they lack the ability to see immediately and then show no sense of guilt.

Although the effects of this often uncontrolled behavior vary from child to child, parents of affected children often observe the following:

  • Your children are not invited by classmates to specific activities such as birthday parties.
  • Their children are excluded from class or out-of-school activities because they did not abide by the rules.
  • Your children have difficulty making close friendships with other children.

These effects can put a heavy strain on children and parents. Let us advise you on how to support your child when they feel rejected by others.

As the child grows, ADHD affects z. B. also on the first sexual experiences. Adolescents with ADHD are often younger than average in their first sexual experiences and often have an above-average number of partners because of their tendency to be impulsive. As a result, sexually transmitted diseases or pregnancies occur more frequently in adolescents with ADHD under the age of 20 years.

That is why it is important that you talk with your growing child in good time about appropriate methods of contraception and ways to protect yourself.

Talk openly to your child about how he interacts with others, sensitize them to the consequences of their behavior and help them with grief and worry. This makes it easier for you and your child to cope better with the effects of the disease.

The influence of ADHD on school performance

If your child's academic performance is not as good as you wish, you may worry about your child's future career. You should be aware that many testing procedures are not suitable for children with ADHD. The results are not always meaningful, as children with ADHD are sometimes considered to be under-performing, regardless of their intelligence, skills and expertise.

Many children and adolescents with ADHD have trouble understanding instructions, keeping what they have learned, and taking others into consideration. It's hard for you to sit still and often you can not control your impulsive behavior. This leads to unfavorable patterns of behavior and the affected children find it difficult to meet the school's requirements.

The most common problems of children with ADHD in the classroom are:

  • Difficulty reading and calculating
  • Problems with repetitive exercises
  • Exclusion due to misconduct
  • Failure during class work
  • Need for homework assistance, tutoring and remedial education (four-to-one
  • five times more common than in children without ADHD)

How to help your child at school:

  • Recognize ADHD as early as possible to reduce the associated complications
  • Educate teachers about the condition so that they can support ADHD treatment at school,
  • Speak openly with the teachers and involve them in the observation of symptoms and treatment strategies to manage the effects of everyday school life, monthly consultation with the teachers.
What does ADHD mean for parents?

At times it can be very stressful to educate a child with ADHD. The affected parents are often frustrated. Although all parents are required to accompany their children well, but especially children with ADHD put the patience of their parents to a severe test. Setting limits and sticking to consistent education can cost a lot of energy. You may feel overwhelmed sometimes. Worries and doubts can affect one's self-esteem. This burden often leads to tensions and quarrels with the partner, so unfortunately, in families with a child affected by ADHD separations and divorces are not uncommon. The stress experienced by parents can also lead to an increased incidence of mental illness such as depression or alcohol abuse.

Get Help: There are many counseling centers and support groups for parents whose child is affected by ADHD. Here you can talk to other stakeholders, get valuable tips and understand your situation. More information can be found under "Help and support for affected families".

ADHD and occupation

Depending on the degree of severity, ADHD can significantly affect every day working life and even lead to occupational disability in the case of particularly severe forms and comorbidities. As a rule, however, ADHD sufferers are eligible for all career paths; under favorable outside conditions for those affected and with good resilience, they can also provide outstanding professional achievements.

Importance of the profession for adults with ADHD

For people with ADHD symptoms, work can be even more important than for those who are not, because a regular job:

  • structures a large area of everyday life
  • requires a daily structure to be followed
  • allows for a sense of achievement and rewards
  • social contact with colleagues can be structured internally
  • can contribute to the improvement of social skills

Therefore, as an important contribution to the quality of life, it accelerates the inner, but also the external structuring of everyday life of those affected. On the other hand, completed vocational training or regular activity enables participation in social life and contributes, at best, to a consolidation of self-esteem, social identity and self-efficacy expectations.

The way to the dream job

Vocational training

Once the career choice has been made, a vocational training lasting several years follows. Here, too, the trainee is already subject to many conditions and expectations that are not always easy to meet or fulfill for those affected.

An important focus is the choice of training company. [1] Often, successful vocational training or practice depends largely on the operating conditions rather than the educational or professional content. Smaller companies tend to be preferable to larger ones. Small businesses allow a higher degree of appreciation of the individual and their achievements, and in a clearer environment more interpersonal tolerance and mutual respect are expected.

More strongly than comparable apprentices of their age, ADHD sufferers need a mentor who guides them in the sense of positive leadership, keeps motivating and praising them. Special importance is therefore attached to the instructor. An instructor who takes the victim, how he is - but nevertheless as constructive a criticism as possible - recognizes his abilities, absorbs his weaknesses and promotes his strengths is advantageous.

For ADHD sufferers a low frustration tolerance as well as a mostly bad stress management is described. Overly strict, aversive manners in the enterprise can bring the training in a short time to failure, although the ADHD affected trainee in principle to good or very good achievements in the training company capable and actually would be willing to adapt to the circumstances in the enterprise. However, as sufferers quickly feel overwhelmed by psychosocial stress interactions and confrontation with in-house malady, they are particularly prone to premature abandonment. Constructive one-on-one discussions, in which the instructor shows understanding for the syndrome-typical problems of his trainee, are perceived by the person concerned as a great esteem for his personality (also in an operational context) and probably help to relieve the situation in the short term.

In the long term, trainers and supervisors are advised to allow employees with ADHD - if known - a chance at rewards. By no means should it be monetary rewards, but clearly signaled praise and recognition of those affected as the most effective positive amplifier and often have unexpected peak performance result.

Higher education

More and more frequently, the path to the desired profession now leads - instead of via the training path - over a previously completed university degree. This usually takes three to seven years to take up employment. Studying for ADHD sufferers with a mild to moderate degree can also be completed with good results if sufficient resources are available. For more detailed information on this topic, please visit the main article: ADHD and Studies.

Requirements and difficulties

All professions and activities necessarily require a certain amount of functional control and motivation. The two factors form the important foundation for training and work in the respective profession. However, ADHD sufferers typically have difficulty in activating voluntary activation of brain functions, and in particular voluntary effort activation ("I want because I should"). [2] Permanent motivation is often difficult and possible via certain detours. This is particularly evident in less varied and monotonous, as well as activities that promise little rewards (rewards, praise).

Difficulties can lead to activities with more pronounced symptoms, in which:

  • Continuous concentration is required
  • must be worked properly and structured
  • working under deadline pressure
  • a high routine proportion is given
  • must be worked fine motor
  • The posture cannot be changed frequently.

Exemplary for e.g. Criteria are about

  • Occupations in finance and accounting
  • management occupations
  • archiving occupations
  • Activities with high data entry
  • laboratory work
  • Banking and Insurance
  • Occupations with low movement possibilities
  • Driver
  • Occupations in the monitoring and control service

However, this does not apply to individual cases. With appropriate interest and motivation, as well as above-average performance is possible.

Due to the lack of permanent motivation and / or perseverance, people are bored and distracted, or they seek distraction, to devote themselves to other activities, or to avoid current work or seek new tasks.

As a result of the lack of effort and the low quality of performance, conflicts with supervisors and colleagues quickly and frequently occur. Subsequent measures usually have the opposite effect and rather lead to further avoidance. Possible consequences may or may not be the cause of permanent or permanent termination.

Not only because of the problems described above, there are often layoffs by the employer or dismissals by the employee and close successive job changes. Often it is a recurrent boredom that is difficult to tolerate for those affected. Some sufferers find in the biography even a variety of broken, but also completed vocational training.

The ADHD issue is often experienced by colleagues and the employer, who are unaware of the colleague's diagnosis, as incompetence, unwillingness or disruptive or anti-social behavior. This impression is compounded in its ambivalence by the often fluctuating symptoms, or in the face of sufficient intellectual resources and at times high concentration levels of those affected, which seem contradictory in the face of poor work performance. This ambiguous external image is further underpinned by a parallel giftedness. Thus, in the context of psych education, involvement of the employer is also recommended, which in turn presupposes its readiness and also the acceptance of the diagnosis causing the suffering.

Suitable occupations for ADHD sufferers

Certain occupational groups for ADHD sufferers cannot be called general, since the career choice should be based on personal interests and inclinations. If those concerned are capable of sufficient self-motivation in their profession, if they have sufficient basic skills and if the interest is sufficiently high to maintain adequate continuous attention in more than half of the working time, there are - with a few exceptions - no limitations in terms of career choice. For example, safety-relevant occupations that require a permanently high level of attention and stress tolerance are indispensable, but these cannot be provided - for example, the profession of air traffic controller, for which a Class 3 medical certificate is required. [6] Given the intolerable cognitive limitations in these occupations, this classification can at best be achievable for those with mild symptoms.

In the literature, however, there are often job profiles or occupational areas that should be recommended in the face of moderate to severe ADHD symptoms. For example,

  • possibly self-employed occupations
  • Political professions
  • Journalistic professions
  • Creative professions
  • Performing professions
  • Service workers
  • Creative professions
  • Research professions
  • Helping professions
  • Occupations with a high proportion of movement
  • Occupations exercised outdoors

However, such proposals are not relevant for the individual case, since the professional suitability, at least for a symptomatology that is to be managed, is hardly aimed at the ADHD, but rather at the individual competencies, inclinations and interest of the person. Ultimately, in the case of a severe severity, the focus is not directly on choosing a career, but rather on the treatment, which may have good chances of consolidating the symptoms, which may also offer the patient new career prospects.

Resources of those affected

Various ADHD-specific resources are discussed in the literature: See: Strengths.

Important not only for professional success, but also for the professional existence, are the social resources. If these are inadequate or conflicts frequently occur in the narrower social sphere, this can jeopardize one's career path, since those affected can hardly compensate for stressors.

Tips for everyday work with ADHD

Below you will find some tips and advice for those working in the field of ADHD, which may be incorporated into therapy or coaching as objectives.

  • Working in stages: Tasks should be completed in due time before the next task is dedicated
  • Perfectionism should not be lived out.
  • If possible, ask for the assignment of a workspace in which creative processes are possible
  • Pay attention to adequate breaks
  • Pay attention to regular sleep
  • Modulating the work environment: For example, working in a confined space often leads to * distractions and decreased concentration, and can be asked to move to a quieter workplace.
  • However, when teamwork is difficult, a one-to-one job can be requested
  • Avoid Procrastination: Electronic timers can help with reminder functions
  • Reward yourself for lack of extrinsic rewards (see: token system)
  • If necessary inform the supervisor and colleagues about their own concern with ADHD (but do not apologize for their own misconduct by ADHD)
  • Use structured work plans with priorities.



ADHD is not a notifiable disease according to laws and does not have to be communicated to the employer.

Disability insurance

If it comes to a disability due to the severity of the symptoms, the occupational disability insurance (BU) can come into play. However, completing a BU can be difficult if there has been ADHD treatment with psychotropic drugs over the past five to 10 years, [9] as pre-existing conditions are documented in life insurers' central risk file.

If the conclusion of a BU is no longer possible, a so-called Dread Disease Special Policy may be an alternative [10], whereby it must be considered whether ADHD is included in the respective policy.


Anyone who is unable to work for at least three hours per day for the foreseeable future due to illness or disability for the foreseeable future is considered to be reduced in earning capacity according to the legal definition. This includes disabled people working in sheltered or blind workshops.

An application is required to grant the reduced earning capacity. [11] At the latest four months before expiry of the retirement pension, a (informal) application for further payment should be made.

Special protection against dismissal

If severely affected persons have the status of "severely disabled person" they have extended dismissal protection in addition to the general dismissal protection, which is the case if the so-called degree of disability  amounts to at least 50 per cent the notice of termination must be obtained from the Integration Office, without which the dismissal will be legally ineffective, with the background that a distinction should be made as to whether the dismissal should be due to the employee's severe disability.

Upon termination after approval by the Integration Office, dismissal protection can be filed with the responsible labor court within three weeks of the date of termination.


Economic Impact

The annual economic loss caused by ADHD in adulthood is estimated by scientists at $ 77 billion in the US.

Professionally successful celebrities with ADHD

Numerous, sometimes highly successful personalities with ADHD diagnosis are known worldwide. These are mostly successful in artistic, but also in entrepreneurial professions

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