How neurodiversity can affect the way you are with money

Ever wondered why some people are excellent at saving every penny while others seem to spend cash like it’s burning a hole in their pocket? Well, the answer could be in the way your brain works. Neurodiversity - a term that covers conditions like ADHD, autism, dyslexia and more - can play a big role in how you handle money.

The impulsive spender vs the super saver

People with ADHD, for example, often struggle with impulse control. That means they’re more likely to make spontaneous purchases, whether it’s a last-minute holiday deal, yet another Amazon order or an impromptu takeaway. The thrill of spending can give a quick dopamine hit, making it hard to resist temptation.

On the flip side, some neurodivergent people, particularly those with autism, can be extremely cautious with money. They may have strict budgets, detailed spreadsheets and a deep focus on financial security. This can be great for saving, but it might also mean missing out on experiences because spending feels risky or stressful.

Budgeting challenges

Traditional budgeting methods don’t always work for neurodivergent people. A simple income-minus-expenses approach might not work, as neurodivergent individuals are more likely to struggle with executive functioning. This is the term for mental processes that help you plan, organise and carry out actions. These are key elements of skills such as focusing, paying attention and switching between tasks. A better option may be apps that automate savings or visual methods like colour-coded charts to track finances.

For people with dyscalculia (a condition that affects number skills), managing bills and understanding interest rates can be a nightmare. They may struggle with working out percentages or tracking how much they owe on credit cards. Using tools like rounding-up savings apps from the likes of Monzo, Starling, Plum or Revolut or setting up direct debits can take some of the stress away.

Emotional spending and avoidance

Many neurodivergent people experience financial anxiety. Some avoid checking their bank balance altogether because of the negative emotions it causes, leading to late fees or forgotten bills. Others might overspend as a coping mechanism, treating themselves to something nice to relieve stress, only to regret it later.

Retail therapy is a common trap and, for those who struggle with emotional regulation, spending can become a way to make them feel better. Recognising these patterns is the first step to gaining control. Setting up spending limits, using pre-paid cards or even having an accountability buddy can help.

Find what works for you

There’s no one-size-fits-all approach to money management, especially if you’re neurodivergent. Whether you’re a spender or a saver, the trick is to find tools and strategies that match how your brain works.

If you struggle with impulse spending, try the 24-hour rule before making a big purchase (give yourself a day to mull it over and consider whether you really need the item). If budgeting is tricky, you could try apps such as Snoop, Moneyhub or Emma.

Understanding your financial habits - and why you have them - can help you take control of your money instead of letting it control you.