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ADHD, Debt, and the Shame Spiral
Episode 11: Debt & Credit – Two Sides of a Coin
If debt were a person, it’d be that one friend who borrows your stuff and never gives it back. Annoying, clingy, and ridiculously expensive. In this episode of A Solo Person’s Guide to ADHD, we’re tackling debt and credit—their messy relationship, why ADHD brains struggle with both, and how to finally kick that freeloader out of your wallet.
👉 Inside this episode:
- My real-life story of wrestling with credit card debt after cancer recovery and house damage.
- Why debt hits harder when you live solo with ADHD.
- ADHD debt triggers: impulse spending, due date amnesia, shame spirals, and executive dysfunction.
- Different types of debt ranked by “stress factor” (spoiler: family loans = emotional interest rate off the charts).
- ADHD-friendly debt payoff strategies: snowball vs. avalanche, automating payments, gamifying progress, and celebrating milestones (yes, with Dollar Store confetti).
- Easy side hustles that don’t eat your brain: pet sitting, tutoring, selling your stuff, seasonal gigs, and more.
- What not to do if you’re in debt (hint: ignoring it never works).
✨ Action Step: Pick ONE debt and create a mini-plan to attack it this month.
Debt isn’t a moral failure—it’s just math with bad timing. And with ADHD brains, we need dopamine-friendly, shame-free strategies to get ahead.
Resources & Links:
- Free Debt Strategy Quick Map worksheet (all freebies are on my website, just look for the "freebie" tab)
- Coaching with Christine: Two Cats Coaching – first 30 minutes free!
- Catch up on earlier episodes in the ADHD & Money series (budgeting, impulse spending, hacks, and more).
About your host:
I’m Christine Dunning, Master Certified Life Coach, retired teacher, cat enthusiast, and proud member of the “paid $37 in late fees… again” club. On A Solo Person’s Guide to ADHD, we dig into the solo-living struggles that come with ADHD—and find ways to laugh, learn, and lighten the load together.
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By ChristineEpisode 11: Debt & Credit – Two Sides of a Coin
If debt were a person, it’d be that one friend who borrows your stuff and never gives it back. Annoying, clingy, and ridiculously expensive. In this episode of A Solo Person’s Guide to ADHD, we’re tackling debt and credit—their messy relationship, why ADHD brains struggle with both, and how to finally kick that freeloader out of your wallet.
👉 Inside this episode:
- My real-life story of wrestling with credit card debt after cancer recovery and house damage.
- Why debt hits harder when you live solo with ADHD.
- ADHD debt triggers: impulse spending, due date amnesia, shame spirals, and executive dysfunction.
- Different types of debt ranked by “stress factor” (spoiler: family loans = emotional interest rate off the charts).
- ADHD-friendly debt payoff strategies: snowball vs. avalanche, automating payments, gamifying progress, and celebrating milestones (yes, with Dollar Store confetti).
- Easy side hustles that don’t eat your brain: pet sitting, tutoring, selling your stuff, seasonal gigs, and more.
- What not to do if you’re in debt (hint: ignoring it never works).
✨ Action Step: Pick ONE debt and create a mini-plan to attack it this month.
Debt isn’t a moral failure—it’s just math with bad timing. And with ADHD brains, we need dopamine-friendly, shame-free strategies to get ahead.
Resources & Links:
- Free Debt Strategy Quick Map worksheet (all freebies are on my website, just look for the "freebie" tab)
- Coaching with Christine: Two Cats Coaching – first 30 minutes free!
- Catch up on earlier episodes in the ADHD & Money series (budgeting, impulse spending, hacks, and more).
About your host:
I’m Christine Dunning, Master Certified Life Coach, retired teacher, cat enthusiast, and proud member of the “paid $37 in late fees… again” club. On A Solo Person’s Guide to ADHD, we dig into the solo-living struggles that come with ADHD—and find ways to laugh, learn, and lighten the load together.