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ADHD Money System
One number a day keeps it correct, bills are shown as "in 8 days" instead of on a calendar, and the catch-up sheet never asks you to back-fill a single thing.
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- Download link on the confirmation page and by email
- What you need: Excel 2016+ · Google Sheets · PDF (US Letter & A4)
- 14-day refund — just message us, no form to fill in
- 9 pages
- 12 sheets · 6,301 formulas
- Formats: .xlsx (Excel 2016+, Google Sheets) + PDF guide
- ZIP: 733 KB
Set it up, use it for at least a week, and if it genuinely isn't right for you, send us a message within 14 days with a screenshot of your setup and we'll refund you in full.
Almost every ADHD money product on the market is a prettier budget template, and that is the wrong diagnosis. Nobody abandons a budget in week three because the arithmetic got hard. They abandon it for four specific reasons: starting at all is the difficult part; you cannot hold what is left, what is still due and what you already spent in your head at the till; "rent is due on the 1st" means nothing on the 24th; and once four days have been skipped, carrying on feels like it needs the four days back-filled first. This workbook is built around those four things, and every sheet in it names which one it answers. Anything that answered none of them was left out.
The structural decision everything follows from is this: your position is worked out from your bank balance, not from a list of transactions. A ledger budget is only correct if you enter everything, which is exactly what stops happening. An anchored one is correct whether or not you wrote anything down. So the daily surface is a single cell — today's balance, read off a banking app in four seconds — and spending is derived rather than typed: yesterday's balance, plus anything that came in, minus today's. Missing days costs nothing. There is no streak, no completion percentage and no count of days logged anywhere in the file, and that is checked by the build rather than left to good intentions.
The Today sheet is the whole product in one screen. Where you are in the current stretch, worked out from your own income dates rather than the calendar. What the money already has to do: bills before the next money, anything past due, set-asides for the days that are left, the floor you keep, money you expect in. What is left, and what that is a day. Then the sentence the rest of the market does not give you: your money lasts N days, the next money is M days away — money translated into the only unit that lands when time is the problem. And underneath, one next action, naming the exact cell to type in.
The Bill Runway is a distance list, not a calendar grid, because a grid assumes you already know where today sits. Forty bills at any frequency — days, weeks, months, years, one-offs — each entered as an amount, how often, and one date it happens on, past or future; the sheet works out the rest in both directions. It counts occurrences properly, so a fortnightly cleaner due twice before payday is counted twice, and it shows what leaves in each of the next eight weeks so you can see the wall coming.
The Catch-Up sheet is the one this product exists for. Three checks, one number, and a plain statement at the top that nothing needs back-filling. A partial stretch is reconciled by pro-rating everything ahead of you by the days that remain, never by the days that passed; the days that passed are used only to describe what happened, which changes nothing you are asked to do. Set-asides are charged only for the part of the month still in front of you, and whatever was not funded earlier is reported once, as a number, and never demanded back inside the same stretch.
Twelve linked sheets, over six thousand formulas, and a 250-row impulse log with a "what was going on" column that rolls up into cost by trigger, cost by how long you had wanted the thing, and how much came back. Arithmetic only — no scores, no ranking, and a language audit that runs over every cell before the file is released. Ships pre-filled with sixty days of a fictional household, and every sample date is written relative to today, so the example is current whenever you open it rather than showing you a stale year. Any currency, any dates, classic formulas only, and a nine-page print pack in US Letter and A4, colour and ink saver, for the parts that are easier on paper.
What you get
- 12 linked sheets, 6,200+ formulas — no macros, no add-ins, nothing locked
- One cell a day: your balance. Spending is derived from it, so a three-week gap changes no total and there is nothing to back-fill
- No streak, no completion percentage, no count of days logged — anywhere in the file, and checked by the build
- "Your money lasts 10.1 days. The next money is 11 days away." — money translated into days, which is the unit that lands when time is the problem
- Safe-to-spend built from six lines you can argue with: balance, bills before the next money, anything past due, set-asides, your floor, money expected in
- Bills as distances, not dates: 40 bills at any frequency, ordered by days-until, with occurrences counted properly and an eight-week wall chart
- A Catch-Up sheet that reconciles a part-finished stretch by pro-rating what is ahead of you, never by the days that went by
- Set-asides charged only for the days that are left; whatever was not funded earlier is reported once and never added to this stretch
- 250-row impulse log with a "what was going on" column, rolled up by cost, by how long you had wanted the thing, and by how much came back — it changes no total anywhere
- Stretches follow your own pay dates, not the calendar, so fortnightly and four-weekly pay work properly
- Every sample date is written relative to today, so the example is current whenever you open the file
- 9-page print pack in 4 files (US Letter + A4, colour + ink saver) · Excel 2016+ and Google Sheets · set-up PDF included
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What's inside
Questions
How is this different from a budget spreadsheet with an ADHD label on the cover?
A budget spreadsheet is only correct if you enter every transaction, and it reports categories. This one is correct if you enter one number a day, and it reports two things a budget never gives you: how many days your money lasts against how many days there are before more arrives, and what is safe to spend today after everything already committed. It is also built so that stopping and restarting costs nothing, which is the actual failure point rather than the arithmetic.
How much work is it, really?
One cell a day. Your bank balance, on the Daily Log, and the Today sheet tells you the exact cell address. Two cells on a day when money arrives that was not on your plan. Zero for a weekly review, because everything is derived. Three cells if you choose to log an impulse purchase, which is optional and changes no total. Setting it up takes about twenty minutes: your income dates and your bills.
What actually happens if I stop using it for a month?
You open it and type today's balance. That is the whole recovery. Nothing needs back-filling, no total is wrong, and there is no streak to have broken — the workbook does not count days logged at all. The Catch-Up sheet reconciles the part-finished stretch by pro-rating what is still ahead of you by the days that remain, and hands you a fresh per-day number. What went by is shown for information, and it changes nothing you are asked to do.
Why are bills shown as "in 8 days" instead of on a calendar?
Because a calendar grid assumes you already know where today sits on it, which is precisely the thing that is not reliably available. A distance list does not. The Bill Runway is ordered by days-until with a running total, so the question at the till — if I spend this, is the next thing still covered — has an answer without any arithmetic.
Does it shame me about spending?
No, and that is enforced rather than promised. The impulse log records what a thing cost and what was going on at the time; the Triggers sheet turns that into counts and sums and nothing else. There are no scores, no ratings and no adjectives attached to a purchase. A list of shaming words is run over every cell in the workbook and every page of the print pack before the file is released, and the build fails if one appears.
Is this medical, or do I need a diagnosis?
Neither. It is a spreadsheet and a set of worksheets. It does not diagnose anything, it is not treatment, it makes no claim about what ADHD is, and it works just as well if you are self-identified, waiting for an assessment, or simply someone whose brain loses track of money in these particular ways. It is not financial advice either — it reports arithmetic on numbers you typed in.
Will it work with my pay schedule and my currency?
Yes. The unit of time is a stretch — from one of your own income dates to the next — not a calendar month, so weekly, fortnightly, four-weekly, monthly and irregular pay all work. The currency symbol is a setting and is printed into the column headings, so nothing is tied to one country. Every date in the workbook comes from your own input; nothing is hard-coded to one month or one year.
Does it work in Google Sheets as well as Excel?
Yes, identically. Classic functions only — SUMIFS, COUNTIFS, AVERAGEIFS, SUMPRODUCT, INDEX, MATCH, SMALL, LARGE, EDATE, EOMONTH, MOD, INT — with no XLOOKUP, no FILTER, no dynamic arrays, no macros and no external links. Every formula is checked against a banned list before the file ships. A one-page set-up PDF is included, and the file is recalculated and verified against an independently written model before release.
Do I have to use the impulse log?
No. It is deliberately separate from everything that matters: spending totals come from your balance, so nothing you write there is counted twice and nothing you leave out makes anything wrong. Use it for a month if you are curious which trigger costs the most, then stop. The rest of the workbook does not notice.
Can I print it instead of using the spreadsheet?
Yes — the nine-page print pack is a complete paper version of the same system, not a teaser: This Stretch, One Line a Day, the Bill Runway, the Catch-Up page, the Impulse Log, the Trigger Tally and a fridge sheet that compresses the whole thing to six lines. US Letter and A4, colour and ink saver, and every page imports into GoodNotes, Notability or any PDF annotator. Most people end up using the spreadsheet for the arithmetic and the fridge sheet and bill runway on paper.
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Personal-use license for one household. No resale or redistribution. Delivered as a ZIP download immediately after payment. No physical item will be shipped.
