Categories
ADHD Journey Birth & Postpartum Reflections Parenting This N' That

The Crowning of a Blood Moon Princess: Our Mostly Positive Birth Story

Fair warning: some details below may be TMI for some readers. It is a birth story though, people. And it’s not that graphic.

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Image by Andreas from Pixabay

38 Weeks & Feeling…Not So Fine

As I was getting close to the end of my pregnancy, I was trying to find positive birth stories to read online. 

A kind of terror develops at the end of pregnancy, or at least it does for some of us.

One poster on a Reddit thread referred to the feeling as feeling like she was waiting for her own execution.

That’s a little rough, but otherwise describes it pretty well.

Birth is such an unknown, and it can truly be a life or death event for you and/or the baby.

Some people like to say things like, “millions of women have done it,” or, “your body was made for this.” 

But many women have not survived it. Let’s not sugarcoat that.

It can be dangerous. Full stop. And my heart truly, genuinely goes out to anyone who has experienced any kind of loss related to pregnancy, birth, postpartum and beyond. 

And while many moments of the saga I’m about to relate are humorous, I just want to pause first and acknowledge the above.

The Search for Something Neutral to Read

There seemed to be two kinds of birth stories widely available online:

  1. The horror stories
  2. The ones where women claim to have done it all naturally without so much as a twinge of pain, and maybe even orgasmed or whatever.

Look, if you are one of those incredible unicorns who had the latter experience, I’m happy for you. 

But I just really wanted to read some regular stories. 

And my birth story turned out to be pretty regular, after all, for which I’m so unbelievably grateful.  I’m going to share it here. 

The Pressure Increases

I went for one of my regularly scheduled appointments on a Monday during, I think, the 38th week. My husband had just started a new job, and I had quit my job back in December and was trying to make up for the lost income with grocery delivery driving. 

Things were a mess, but it was a relief not to have to play nice office girl at the end of my pregnancy.

Anyway, at my appointment, my blood pressure reading was a tad high, and for some reason it caught my attention that it had been steadily increasing over the last few visits.

I wasn’t yet into dangerous territory, in fact, the nurse referred to it as “your blood pressure is normal, so that’s good,” but I mentioned to my OB/GYN that it had been creeping up over the last few weeks. 

She agreed that it was possibly concerning, and told me to come back the next day for another reading. 

In I went the next day after trying very hard to be ~relaxed~ the night before. 

Side note: I did realize that in the days leading up to this, I had been feeling a certain pressure, almost a rage feeling, in my head while completing my delivery trips. 

I had attributed it to stress, but it was probably the developing hypertension.

Anyway, this time, my blood pressure was higher, and over the threshold. They told me again to come one more time.

If the next reading was again over the threshold, I would need to be induced.

I don’t know why, but that reality didn’t necessarily sink in, and I remained convinced that it was only accumulated stress. This is why I booked a massage for the next day, without consulting my doctor. I don’t recommend this, by the way; it was probably not a smart move.

Life Keeps Happening

That night, before the third appointment, my husband went off to work and I was supposed to go delivery driving. But, I just didn’t feel like it.

I goofed around and took a bath instead. I was chilling in the bath when my husband texted me that his father in Mexico had just had a serious heart attack. 

I was worried of course, and asked him if he wanted to come home early, despite being new on the job.

I also expressed my hope that his father would quickly stabilize, and my husband decided he wanted to continue working.

About ten minutes later he called me crying and said, “my dad is dead,” which still breaks my heart to remember.

I picked him up, and when we got home he closed himself up in the bedroom to watch an old Mexican movie, whose lead actor apparently looked like his dad when he was young.

The next morning, I went for my massage, rattled, but prepared to get properly relaxed before my blood pressure reading. 

Which didn’t work, shocker.

The reading was again over the threshold, and higher than the day before.

The PA who was on duty cheerfully asked me, “are you ready to have the baby today?” 

Despite intellectually knowing this was the possible outcome, I think I yelled “what, today?! NO!”

They scheduled the induction at the hospital, and told me to go home, get my things, take my time, and go back to the hospital. 

I texted my husband the news and then, on the hour drive back home to get him and our things, I was so jittery that I called my dad up and started a political argument. 

Once at home, I just kind of wandered around throwing random things in a bag and lamenting the fact that I did not want to leave home and did not want to leave the cats alone. 

I think at some point I just laid on the couch and scrolled on my phone, and my husband was like “uhhh, aren’t we supposed to be going?”

I definitely was experiencing that off-to-the-gallows feeling and I stretched out the time at home as long as possible. 

When we finally got on the road, I decided I was starving.

We stopped at a Mexican restaurant and I ate a massive plate of nachos.

Spoiler alert: no one warned me how much puking happens during labor. So yeah, you can guess what happened to the nachos.

After that, rush, rush, rush, we get to the hospital, get all checked in, and set up in the room. 

And then….

We wait. And wait. And wait. 

An Unfortunate Surprise (Which Maybe Shouldn’t Have Been a Surprise)

At that point (yes, not before), I started reading about inductions online, and that’s when I learned that an induction can take several days. 

W.T.F.

I think that’s the moment when I just disassociated from the whole thing, more or less, which was very much for the best. 

I received pitocin, and they did the foley balloon thing, and I was totally imprisoned in the bed between the IV, the balloon, and the baby heartbeat monitors. 

So no recommended exercises for me, or bouncing on the ball, or using the fancy labor tub, or any of that. 

The staff told me I was free to do all of it if I wanted…but, how?

That was a fib anyway, because when I took the baby heartbeat monitors off, a nurse came in to ask me “why?” in a scolding tone. 

When I asked to use the shower, suddenly I was not so free to do all of it, though I did ultimately get my shower. It was one of those weird little half-y squat showers as I tried not to get all the various things wet. 

But I digress. 

Obviously, given the events of the night before, my husband and I were in a weird mood. 

He laid on the little plastic couch in the room, and I laid on the supremely uncomfortable bed, and we both pretty much decided that we would not try to be strong. 

I think I even said that to the nurses several times. Like, yes, I’ll take the anti-nausea meds, yes, I’ll probably get the epidural. I’m not feeling tough today and I don’t feel like trying to be strong. 

And yes, I want more juice in the little juice cup.

So began several hours of a quiet, laying-in-bed misery which I fortunately seem to have mostly erased from my memory.

I mean the nurses kept coming in and poking me with various things, and the foley balloon thing sucked, and the blood pressure cuff was too damn tight which is a personal pet peeve / sensory issue that sends me over the edge. 

And I kept throwing up, which again, I never see anybody talk about as something to expect during labor!

I barely slept that night, and I think I complained a lot to my husband about hate, hate, hating the hospital, and wanting to home to my cats.

To add to the tragicomedy, my husband was having a serious flare up of his gastritis and absolutely terrible gas. So, yeah. Every time the nurse left the room, he’d ask, is she gone? And let one rip, and inevitably she’d walk right back in. 

This is the type of thing that would usually make me curl up inside and die from embarrassment, even though hospital staff, of all people, should understand gastric issues.

But like I said, dissociation. Highly recommend it. 

Fortunately we only had to spend one night like that. 

Arrival of the Blood Moon Princess

Whether I’m ascribing too much power to myself or not, for a while the next day I did some visualization exercises, where I imagined swimming up to my baby girl and telling her it’s time to come out, and that I would show her the way, but we had to start moving. 

Maybe it worked, because by evening, the labor seemed to be kicking up. 

It was a full moon that night, and a blood moon.

I ended up getting the epidural, and again, disassociation. I can picture the scene now as if I had been standing in the doorway of the hospital room watching it, even though I was actually sitting on the bed getting a needle stuck in my back.

I don’t really remember what it felt like.

I can tell you that another thing people don’t seem to talk about is that SOMETIMES EPIDURALS DON’T WORK!

Yes, that’s right. Sometimes they straight up don’t work. 

And often they only partially block the pain. 

I had a few minutes or hours, I don’t know, where I wasn’t sure if it was working.

But it showed up for me in the end.

Still, you feel a lot. And when the doctor came in (fortunately my OB/GYN happened to be on rotation) and asked, “are you ready?” I believe I yelled “NO!”, again, and looked at my husband and said, “I don’t want to do this, let’s go home.” 

That seems absurd when I look at my baby daughter today. But that moment is a real Schrodinger’s cat situation. We didn’t know what we were going to find in the box. 

Despite the drama of that moment, the next little while was relatively calm. 

I had a comical tussle with the honestly delightful labor nurse (no sarcasm here; she was great and I do not hold the following against her).

She asked me what I knew about pushing, and I responded something about the various things I read online, about how you are not supposed to strain and when it’s time you want to direct your energy down in a kind of centered, forceful way. 

I’m pretty sure she just blinked at me. I know that she informed me that actually, it should be just like pooping. Basically, she said, you want to strain.

Well, I still think she’s wrong, and I informed her that I for one, don’t poop that way. 

She could tell that I was holding back and not following her directions, so a ridiculous passive aggressive back-and-forth ensued for a minute or two. 

And the room was so, so quiet, and it was incredibly awkward. 

Let’s Get This Party Started

I didn’t end up buying or preparing any of the fancy things that I had read about months before (a birth playlist! fairy lights! aroma therapy!) for the hospital.

But I did have my free Pandora app, the same one that I’ve had for over 10 years now, complete with ads. I put my secret Taylor Swift Pandora station on, and that’s what everybody in the delivery room got to listen to. And it was pretty chill. 

So yeah, dissociation and Taylor Swift. Those are the recommendations.

Given that the epidural worked, and while there was plenty of sensation and sometimes pain, I couldn’t actually feel the movement of the baby.

So as we were getting close to the end, the doctor asked me if I wanted to see how much progress we were making, and told me to put my hand down there. 

I did that, and felt a slimy little baby head covered in hair. 

And it was literally the most alien, foreign sensation. I yelled “oh my god!”, and snatched my hand back. 

A few minutes later my baby girl was out, and promptly pooped on me. My husband cried as she arrived, something for which I will always love him. 

Things Take a Turn

I always hear stories about the moment someone felt they became a mother. 

I don’t think I had that moment.

But as they plopped her on my chest, I do very clearly remember her little purple hand flailing around and I had what I think is a normal human reaction. Like, here is this fragile, delicate creature, and I am responsible for her, and she needs help. 

So I reached out and grasped that tiny purple hand.

She didn’t grasp back. She was crying, and I tried to soothe her.

But the nurses told me that actually we need her to cry more, she’s not crying enough. They started poking at her and whatever else, and the next thing I know, they are taking her off to the NICU for respiratory distress. 

I could give you a play-by-play of the next moments, but I don’t really want to. Suffice to say, everybody got quiet, and it was uncomfortable, though they assured me (in not very convincing tones) that she would be fine and that she had just opened her mouth and gulped fluid on the way out. 

And in this awkward silence, my Pandora station played Pink Pony Club while the doctor sewed up my junk (which fortunately only suffered minor tears). 

And ta-da! That’s the story of how my beautiful girl was born.

Any Conclusions?

A few other notable events occurred, such as a silly argument between my husband and I about ordering a post-birth Pizza Hut pizza, and the fact that our little girl was in the NICU for a few days. 

In the end, though, she was able to go home with us when I was discharged and I did not continue to have blood pressure issues. 

Important PSA: postpartum preeclampsia can happen! That’s something I also didn’t know. 

It wasn’t a magical fun fest, but it was a pretty positive experience in the end.

A lot of people talk about having birth trauma, but blessedly, I don’t feel traumatized by my experience (and yes, I know I am very, very fortunate in that). 

On one hand, luck is responsible for that.

On the other hand, I think it also helped that despite reading natural birthing books months earlier, I ultimately never wrote a birthing plan, never hired a doula, never read about birth complications in great detail though I knew generally what they are, and never got really rigid in my thinking about how I wanted things to go.

I want to stress that I am not knocking any of those things, and I know many people advise the above for good reasons! 

But for me, I think it was better that I didn’t do any of that. 

Finally, I think it was helpful that my husband and I just decided we weren’t going to be tough, and we weren’t going to be brave, and we weren’t going to be strong. 

It’s counterintuitive, but sometimes it’s easier to be all of those things in the appropriate amounts if you just cut yourself some slack. 

Maybe it’s cliched, but the truth is that what I truly feel thinking back on those hectic days is gratitude, gratitude, relief, and gratitude: that we all made it through and got to go home together, to our very confused kitties who were not at all impressed by our new, screaming family member.

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Max was disappointed to learn that this is a changing table, and not a cat bed. Image by Nina Harper

Categories
ADHD Journey This N' That

If I Had a Million Dollars

AKA: Why I Want to Win the Lottery

 (Note: This post is pure fantasy and silliness. So don’t judge. Déjame sola.)

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Image by Natalia Lavrinenko from Pixabay

If I won the lottery,  and I mean a good chunk, not just $10 on a scratch-off,  here’s what I want to do:

Step One: Get Life Back to Neutral

  • Pay off all my damn bills. Ahhhhhh.
  • Fix my dad’s roof. (His insurance kicked him off because the roof is apparently in such poor condition. He doesn’t have the cash to fix it and can’t get a loan. It’s a whole thing.)
  • Give my dad an additional chunk of money to do whatever he wants. Maybe he would pay medical bills, but hey, it’s his call. 
  • Finally get all the dental work my husband needs done.
  • And, relatedly, get my husband any and all treatment needed to better manage his gastritis.
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Image by Mario Ohibsky from Pixabay

Step Two: Do Some Good

  • Donate to small-town projects: parks with actual plants, not just sad concrete slabs; eco-friendly swimming ponds; community gardens; other community programs.
  • Fund up those local food banks!
  • Fund other things that actually make life better: literacy programs, humane societies, wild spaces, state and national parks, public libraries, affordable childcare, and health care access.
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Image by Jude Joshua from Pixabay

Step Three: Get Some Breathing Room

  • Buy three used cars for my family, the kind that last and last, and then luxuriate in getting repairs as needed. I want to enjoy realizing, “Yep, it needs tires,” and then just… buying them.
  • Buy a modest, functional house for cash: one that doesn’t have holes in the walls or tub decking that’s caving in, and one that actually has a proper basement or storm shelter.
  • Get a nice, fenced yard. Space for:
    • A garden 🌱
    • A play area 🛝
    • A chicken coop 🐓
    • A firepit/grill zone 🔥
    • A catio 🐈
    • Maybe even a goat or two 🐐
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Image by SF from Pixabay

Step Four: Live, but Actually

With money off my back, I’d finally have the luxury to work how and when I want, and spend my time doing what matters:

  • Park days with my daughter
  • Swimming
  • Zoo and museum visits
  • Library programs and community events
  • Long, soul-cleansing solo bike rides
  • Modest family trips, full of nature, fun, learning, and rest

And I’d give generously to the causes I believe in: sustainable cities, green building, community wellness, animal shelters, accessible public spaces. Things that make me feel like I can actually relax and breathe. (I imagine anyone who isn’t concerned only with profits feels the same way).

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Image by Pexels from Pixabay

Additionally, and I think this may be a neurodivergent thing, I want to work the jobs I want and learn the skills I want without trying to make it seem “logical.”

Maybe I want to be a barista for a while, then a massage therapist. 

After that, maybe I’ll teach for a while, then do some accounting work.

Then I think I’ll work in a horse barn for a year or two, then learn carpentry.

Maybe after that, I want to be a home inspector.

This, to me, is enjoying the variety of life. Learning different skills, spending time with different kinds of people, and then moving on to a new skill and a new occupation when it’s time. 

One Silly, Self-Indulgent Luxury:

A personal chef.
Just one.
To cook us healthy meals. That’s it.
(It’s a job! I’d pay well! I’d be a dream boss! And to get that off our plates would be a godsend.)


In conclusion: turns out my million-dollar dream is kind of boring.

The real challenge is this: how can I build parts of this life anyway? Without winning the lottery. 

Because unfortunately, that’s not under my control. 

Still, it’s fun to dream.

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Image by Dimitris Vetsikas from Pixabay
Categories
ADHD Journey Birth & Postpartum Reflections Parenting This N' That

Nothing Too Fancy: Practical Postpartum Prep Tips

The Honest Juggle is intended to be a blog for parenting topics, as much as a blog about ADHD, cats, books, and anything else that catches my interest. 

Therefore, I would be remiss if I didn’t start spending a little more time on the parenting aspect. 

This morning I was reflecting on my postpartum experience a few months ago, and that seemed like a good starting place.

a summary of postpartum tips

Without delving into the emotional *stuff* (more on that later), here are my suggestions to prepare for postpartum. 

Mental Health Prep

  • If you are already on anti-anxiety meds / antidepressants, and can safely do so (i.e. your dose isn’t so high that increasing would increase the likelihood of serious side effects), talk to your doctor about raising the dose prior to birth. This was the recommendation from my OB/GYN when I asked, and I believe it was very helpful.
  • If you have the means (not necessarily talking about money) to do so, get yourself set up with a counselor before birth so that you are not on a waiting list if your mental health goes south. You can be straightforward and just tell them you want to get set up early to navigate the birth and postpartum period. 

Side note: despite the financial struggles we are navigating, the silver lining of leaving my job in December was that I was able to choose my own health insurance through the Marketplace. 

I made sure to pick one that covered mental health outpatient treatment at 100%. 

My former boss specifically did not believe in mental health support, and went out of his way to make sure the company’s health insurance didn’t cover it, which is a weird flex, but that’s a different story. (Yes, it was in his power, it was an extremely small business and the health insurance was only for his family and me as the only employee). 

Now, are all my Marketplace premiums paid up, and is everything smooth sailing?

No. 

I’m behind on my payments and the insurance is pricey. But it was 100% worth it to get set up with a counselor, even considering I was at first matched with a man. 

He was kind, but it wasn’t really the right fit. I just kept seeing him anyway and eventually switched to someone else who is a much better fit for me. 

Just a reminder that it doesn’t all have to be perfect. 

  • Start having conversations (don’t get extreme and dark, keep things flexible) with your partner or those close to you. Something along the lines of, if you see me getting too down or acting oddly, I need you to help me with that. I need you to help me watch for that. 

I think just acknowledging the reality and possibility of postpartum depression, postpartum anxiety, and postpartum psychosis can help, so that it’s not some big terrible sudden thing. If everyone is prepped to understand what could happen, people can help you watch for any concerning signs.

  • Don’t commit to allowing visitors either at the hospital or later at home, but don’t say absolutely no, either. Really, try to forget about pleasing people and allow yourself the wiggle room to have guests or not, as you feel up to it.
  • Keep your thoughts flexible. Do not tell yourself your home must be clean, or you have to breastfeed, or pump, or whatever. Let it flow as much as possible. Easier said than done, I recognize that.
  • Go to the doctor if something feels off. Don’t minimize your symptoms. Just go get it checked out. 

Gear & Supplies

  • Set up the bassinet, crib or other safe sleeping space in advance so that you are not trying to put little parts together in a postpartum haze. 
  • Set up a changing area and have diapers, wipes, bottles, and little cotton sleepers and/or onesies in a few sizes. 
  • Think “light and breezy.” 

You don’t need a nursery room. You don’t need everything cute and Pinterest worthy. You just need a safe place for the baby to sleep, a few bottles and a small can of basic formula in case the breastfeeding doesn’t work out, and a convenient, sturdy place to change diapers. From there, you can add what you need.

  • Don’t go nuts on postpartum care supplies. I recommend the following: disposable underwear or adult diapers (enough for a few weeks), those cooling pads / padsicles (like this, this, or this) regular Epsom salts, Ibuprofen or Tylenol, and a value size package of big ol’ pads. 
  • I got a donut pillow, and there were many people online who recommended one, but my personal experience was that this was a useless waste of money. I did pass it on to someone else, and I hope that they can get some use out of it.
  • There are many herbal sprays that people swear by online, but all I will say is that the one time I used an herbal spray with glowing reviews was the one time I had a lot of pain down there while healing.

The hospital will typically give you a few simple items that work very well.

I never even opened the fancy peri bottle I got in advance because it looked complicated and the hospital gave me an extremely simple squeeze bottle that did the job perfectly. Here are the two helpful items my hospital gave me, in case your hospital doesn’t provide anything.

dermoplast product image
Image from Walmart.com; product is available from Walmart, Walgreens, Amazon, Target, etc.
squeeze bottle
The squeeze bottle the hospital gave me basically looked like this. This image is from Amazon, but I’m not going to link the product because I can’t vouch for it. Something simple like this will do the job though, just FYI if your hospital doesn’t give you anything.
  • Don’t stock up on breastfeeding/pumping supplies if you don’t yet know if you can breastfeed or pump. I ended up with a whole bunch of things I didn’t need. Fortunately, I didn’t open most of it, so I have since passed it on to someone else who is expecting. 

Remember: postpartum is unpredictable, messy, and different for everyone. Take what helps, leave what doesn’t, and be kind to yourself (and your partner, if applicable). 

baby playing with lots of toys
Categories
ADHD Journey

Get that money, girl! Part 2: Tips that actually make sense

Financial strategies for women with ADHD

ADHD is not one size fits all, and neither are the financial strategies that will work best.

However, there are some common financial strategies that tend to be most effective for people with ADHD, and some that may be less than helpful or even detrimental.


Automated Savings Transfers

Automated savings transfers can be your best friend.

Two caveats to note:

  1. No matter how you set it up, this will work best if you have no access or visibility to the savings account without jumping through several hoops. In other words, a savings account tied directly to your checking, especially if you can easily move that money with two clicks, will likely not be effective.
  2. If you can set it up so that an amount is directly deposited into another account entirely with each paycheck, that will typically work very well. Again, this assumes you do not have easy access to the savings account.

For some, it may be very helpful to explore setting up a savings account with a small, local bank that has limited mobile banking functions. The more you can create little barriers for yourself in accessing that savings account impulsively, the better this strategy will work.

Personally, I’ve also had success with setting up add-on CDs. These are CDs into which you can deposit money, but you cannot easily move the funds without contacting the bank, and you will incur a financial penalty if you move it before the CD matures. Again, it may be helpful to look at smaller, local banks that lack robust mobile banking. You do also usually have to deposit a certain amount to open an add-on CD, but there are options that are as low as $250.00. 

If you read about add-on CDs online, you will find many experts telling you that they don’t have the highest interest rates. That’s true, but you need to be clear on why you are doing it. A high interest rate is of no use to a person who can’t hold on to a few bucks to save their life. The point isn’t the interest rate. The point is the additional obstacles inherent in a CD that stops you from sabotaging you. 

To circle back a little to another point, the ease of moving money around these days through mobile banking apps, at least when it comes to savings, can work against people with ADHD.

When I think about this, I think about a former co-worker whose husband was extremely impulsive (for what reasons, I don’t know). She opened a savings account at a small, local bank in the next town over, refused to get checks for it, and cut up the debit card when it arrived. She would withdraw cash from her regular checking account each paycheck, stick it in an envelope, and drop it in the deposit dropbox after hours. Her husband was not listed on the account, though he was aware of it and, in theory, supported the idea of saving.

I’m not saying you have to set up another person to keep you away from your money (though maybe you do), but the idea of setting up a bank account where you deposit cash only, with no additional interactions, upselling calls, or mobile banking, could be something to consider.


Autopay

Put as many bills as possible on autopay, assuming you have adequate cash flow to cover them.

You may need to enlist the help of a trusted family member or friend to get everything set up and ensure that your cash flow will support it. But once it’s in place, and if you can maintain your income, this will be incredibly helpful.


Say No to Credit Cards

I didn’t have a credit card until I was probably 25. I miss those days and wish I had resisted the urge to get one.

If you’re particularly impulsive with spending on little things here and there, do not even let yourself have a credit card.

To add to that: do not do business with a bank that constantly tries to get you to open one after you’ve said no. Banks are not your friends, and they are actively working against you when they do this.

If you insist that you must have a credit card to build credit, do this:

  • Get a credit card with a low limit.
  • Put one single bill on autopay on that credit card.
  • Set up an automatic transaction from your checking to pay that bill. 
  • Cut up the credit card and never look at the account again (unless the card expires, etc.)
  • Do not even think about researching credit cards with fancy rewards programs.

People will talk to you about how you need to request a bigger limit or use more of the credit to increase your score. 

Ignore those people. 

This method, of putting one single bill on your credit card and setting up an auto pay to pay off the credit card each month, will be enough to get your credit score into the range where you will have access to a favorable interest rate on a mortgage or car loan. 

Once you are in that range, a higher credit score than good enough honestly will not make any material difference.

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AI generated image

Cash Envelope Method

If you aren’t familiar with the cash envelope method of money management, you can get an overview online here, including some pros and cons.

The cash envelope method is particularly effective if you do the following:

  • Set up your automated savings, either by direct depositing to a separate savings account at a different institution, or by setting up an automatic transfer each payday to a separate savings account. I recommend the direct deposit option; it’s more effective.
  • Get all your bills on autopay.
  • Sit down and figure out your weekly expenses for groceries, household supplies, gas, and other small purchases (it’s okay to build in a little for snacks or treats). 
  • Cut up all the credit cards and debit cards.
  • Swing by the bank the Saturday after each payday (or whatever day works for you) and withdraw the predetermined amount of cash from step 3.
  • You now only have that amount of cash to spend.
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AI generated image

Now, other financial types might say: But what about an emergency? You need a credit card or a debit card!

Here’s the truth: Yes, there are always pros and cons to any strategy. But the system above will work for you if you’re the kind of person who mostly shops at the same stores, uses the same bank, and goes to work every day.

If you travel for business, maybe that’s a different story.

But a lot of contemporary financial advice will only help you to rationalize feeding the beast. The emergencies! You need to build your credit! You need mobile banking for full transparency!

Well, maybe. Only you can weigh all of that out. But those people saying you need, need, need are going to be nowhere to be found when you’re trying to figure out how to file for bankruptcy or avoid eviction or foreclosure.

Is that extreme? Maybe. Maybe not. I’m staring foreclosure in the face right now, and I can tell you: I didn’t think it would happen to me and there’s certainly no one jumping in to help, despite this kind of cute faux-concern. Because the cute faux-concern is intended to sell you things, and most likely friends and family who repeat that advice don’t have to fight themselves every single day just to keep going.

My point is, get real about your likely level of impulsiveness, and put protections in place. The system above does work, and has worked for me.

But if you abandon it and find yourself underwater (like I am right now), a Band-Aid won’t repair a bullet hole, as the saying goes.

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AI generated image

Limit Your Consumption-Oriented Content

If you know you have a weakness for pretty things (maybe cozy home accessories make you lose your mind, or the latest tech gets your heart pumping) then you need to do the following:

Avoid consumption-driven media. Don’t read online shopping listicles. Don’t watch videos about the latest tech. Stay far away from clothing “haul” videos or anything that encourages you to buy, buy, buy.

In short, again: do not feed the beast, people!

Or at least try to put him on a diet, but I think in this case cold turkey is best. 


Above all, think about the K.I.S.S. philosophy: Keep It Simple, Silly.

  • Do your banking with two banks only. Maximum of three.
  • If you must have a credit card, make it one. Maximum of two.
  • Do whatever you can not to open accounts with every bank or lender offering whatever tempting incentive.

If things do go south—hopefully only temporarily so—, and you haven’t kept it simple, you’ll find yourself tangled in an overwhelming web of accounts, transfers, autopays, and confusion. I’m speaking from experience here.


Be very cautious with the following strategies:

  • Hiring a financial planner or coach. Yes, this can be awesome with the right fit! But there are a lot of unethical people out there, with hidden fees, shady practices, or just a lack of experience disguised in pretty packaging. Even if you find someone “ethical” by industry standards, remember: they won’t act in your best interests unless your best interests align perfectly with theirs.
  • Personal finance apps. Oh yeah, they all sound like magic solutions. But they aren’t. You’ll likely end up with a bunch of apps cluttering your phone, you’ll have given out your personal information everywhere, and you’ll probably feel more scattered and confused than ever. Just say no.
  • Complicated investment schemes. Plenty of people will argue with me here, but if your friend approaches you about house flipping, investing in rental properties, buying a property together, or something more nebulous, be extremely cautious. It’s very easy to get in over your head. If you’re in over your head with a neurotypical person, it could spell the end of your relationship, or even leave you holding the bag in a serious way.
  • Ditto for complicated tax strategies. I’ve worked in a tax office and am in the process of eventually obtaining my Enrolled Agent tax credential (currently stalled out on that due to the cost of getting it all done, even though it’s much more accessible than a CPA credential!). So let me point out something here that many people generally don’t seem to understand. Hiring a tax preparer DOES NOT absolve you of responsibility for your tax returns and records and does not protect you from consequences. If you have managed to hire an ethical tax preparer, they will help you navigate and fight any disputes, yes. But their name on your tax return means squat as far as avoiding repercussions for something that the IRS or state taxing authority takes issue with.

Do I sound like I’m taking a very defensive stance here? You betcha. The world is as predatory as it ever was, and people with ADHD make for very tasty prey (until their bank accounts are drained, of course).

Read Part 1: Challenges upon challenges here.

procrastination station
AI generated image with additional edits by Nina Harper
Categories
ADHD Journey

A playful mantra to reduce anxiety: too glam* to give a damn**

Eagle-eyed readers may notice that part of my logo is the slogan TOO GLAM* TO GIVE A DAMN**.

What does that mean?

While brainstorming potential taglines for the blog (I ultimately decided on the much more grounded and sober finding meaning in the mess),  too glam to give a damn came into the mix.

It was love at first sight for two reasons. 

First, when I say it to myself, I feel less anxious and more empowered. 

Sure, it sounds flippant, but that’s part of the appeal.

The truth is that I give so many damns about things that don’t deserve them. And most days, I don’t feel even a little bit glam.

Saying “too glam to give a damn” out loud somehow releases both of those tensions.

As a bonus, incorporating neon pink lettering and an irreverent phrase into my logo just felt right.

It certainly reflects my rebellious (my sister would say contrarian) streak. 

Whenever I manage to look or feel even a little put-together, there is this part of me that just can’t resist saying or doing something a little wild.

Maybe that’s the real reason the phrase stuck: I’ve always bristled at feeling boxed in. 

At the end of the day, the mantra too glam to give a damn inspires me to live life with a flourish, and move right on past all the little things that might otherwise bog me down.

* If no make-up, messy bun, mismatched clothes is your idea of glam. 

** I can’t stop giving damns to save my life.

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