ADD and Your Money , livre ebook

170

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English

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Écrit par
Karl Klein , Moulton Sarkis Stephanie

Publié par
New Harbinger Publications

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170

pages

English

Ebooks

0001

Lire un extrait

Obtenez un accès à la bibliothèque pour le consulter en ligne En savoir plus

Publié par

New Harbinger Publications

Date de parution

01 janvier 0001

EAN13

9781608824793

Langue

English

Poids de l'ouvrage

1 Mo

When you have attention-deficit disorder (ADD), you don''t spend money like most other people. Past-due bills and impulsive spending can throw your finances into turmoil, and because these financial pitfalls are directly related to your ADD symptoms, they can seem impossible to overcome.

The good news is that it is possible to get ADD-related financial disorganization under control and begin to enjoy a more stable relationship to your money. ADD and Your Money will show you how. This friendly guide, written with your ADD in mind, includes information on everything you need to know about managing your finances and staying in control.

With this book as your guide, you will learn to:

•Keep track of your bills
•Create a budget that works
•Get debt under control
•Find ADD-friendly bank services
•Plan around your splurges
•Make time-management a priority

If you''re ready to start focusing on your future financial success, this book can help you start making lasting changes today.

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Publié par

New Harbinger Publications

Date de parution

01 janvier 0001

EAN13

9781608824793

Langue

English

Poids de l'ouvrage

1 Mo

“ADD n adults s turnng out to be among te most mparng dsor-ders seen n outpatent mental ealt clncs n terms o te number o major le actvtes tat t adversely afects and te severty wt wc t mpacts eac o tem. One suc doman s tat o money manage-ment. ïn ts îrst-ever book devoted to te mpact o adult ADD on one’s înancal le, te autors do a masterul job o bot provdng a revew o te most common problem areas adults wt ADD are lkely to experence as well as a rcly detaled set o recommendatons or ow best to try and resolve tose problems. he book wll be o tremendous beneît to not only adults wt ADD, but ter spouses/partners, parents or oter amly members, and clncans wo routnely specalze n te dagnoss and treatment o ADD n adults.”

—Russell A. Barkley, P.D., clncal proessor o psycatry at Medcal Unversty o Sout Carolna and researc proessor o psycatry at SUNY Upstate Medcal Unversty

“he gudelnes and nventores n ts sel-elp manual can enable people wt ADD to make te most o ter treatment. Wle medcne mproves core symptom problems, tese înancal management sklls can urter reduce ADD consequences and mparments.”

—Rcard L. Rubn, MD, drector o Vermont Clncal Study Center and adjunct assocate proessor at Dartmout Medcal College

“ADD and Your Moneys a long-needed and crtcal resource or adults wt ADD. ït s reader-rendly, accessble, and ull o wonderul strate-ges. hs book s guaranteed to elp anyone wo struggles wt înances as well as ndvduals wo want to learn money management sklls or wo smply desre to become more îscally responsble. hank you or ts valuable contrbuton!” —Nancy A. Ratey, Ed.M., MCC, SCAC, strategc le coac and autor ohe Dîsorganîzed Mînd

“ï you ave ADD, your înancal uture may depend on readng ts book. You’ll be amazed to see suc practcal, easy-to-ollow advce or your bggest înancal eadaces.” —Lara Honos-Webb, P.D., autor ohe Gîft of ADHDandLîstenîng to Depressîon

ADD AND YOUR MONEY

A Guide to Personal inance or Adults wit AttentionDeicitDisorder

Stepanie Moulton Sarkis, P.D. Karl Klein, JD

New Harbinger Publications, Inc.

Publser’s Note he materîal în tîs book îs publîsed solely for general înformatîonal purposes and does not take înto account te specîic învestment objectîves, inancîal sîtuatîon, or partîcular needs of any reader. It îs provîded wît te understandîng tat neîter te autors nor te pub-lîser îs engaged în renderîng inancîal, legal, accountîng, tax or oter professîonal advîce or servîces by provîdîng tîs book. You sould assess weter te înformatîon îs approprîate for you and talk wît a lîcensed, qualîied inancîal or oter professîonal advîser before makîng an învestment or inancîal decîsîon. he contents of tîs book are not to be relîed upon as a substîtute for suc inancîal or oter professîonal advîce. he opînîons contaîned ereîn and references made to tîrd partîes are based on înfor-matîon obtaîned from sources belîeved to be relîable, but are not guaranteed as beîng accu-rate. Readers sould not regard ît as a substîtute for te exercîse of teîr own judgment. he publîser and autors accept no lîabîlîty watsoever for any loss or damage of any kînd arîsîng out of te use of all or any part of tîs materîal, încludîng but not lîmîted to loss of proit or any oter commercîal damages, încîdental, consequentîal, specîal or oter damages.

Dstrbuted n Canada by Rancoast Books

All Rgts Reserved Acqured by Melsaa Krk; Cover desgn by Amy Soup; Edted by Elsabet Beller; Text desgn by Tracy Mare Carlson

PDF ïSBN: 9781608824793

he Lbrary o Congress as Cataloged te Prnt Edton as: Sarks, Stepane. ADD and your money : a gude to personal înance or adults wt attenton deîct dsorder / Stepane Moulton Sarks and Karl Klen ; oreword by Harvey C. Parker. p. cm. ïncludes bblograpcal reerences. ïSBN-13: 978-1-57224-707-9 (pbk. : alk. paper) ïSBN-10: 1-57224-707-X (pbk. : alk. paper) 1. Attenton-deîct dsorder n adults--Popular works. 2. Fnance, Personal. 3. People wt mental dsabltes--Fnance, Personal. 4. People wt mental dsabltes--Le sklls gudes. ï. Klen, Karl, JD. ïï. Ttle. RC394.A85S263 2009 332.0240087’5--dc22 2009038439

Conens

Foreword . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . vii

Inroducion . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

CHAPTER 1 ADD, Money, and Relaionships . . . . . . . . . . . . . . . . . 11 ACTIVITY:Examine Your and Your Parner’s Hisory wih Money . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 ACTIVITY:Wha Is Your Spending Syle?. . . . . . . . . . . . . . . . . 13 ACTIVITY:Issues wih Hiding Money. . . . . . . . . . . . . . . . . . . . . 15 ACTIVITY:. . . . . . . . . 16Should You Keep Separae Accouns? ACTIVITY:Lis Your Money Argumens and Possible Soluions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 ACTIVITY:Deermine Your Main Money Issues in Your Relaionship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24

CHAPTER 2 Lie Issues and Money . . . . . . . . . . . . . . . . . . . . . . . 27 ACTIVITY:Keep Track o Your Wedding Expenses . . . . . . . 30 ACTIVITY:Researching he Cos o Day Care . . . . . . . . . . . . . 34 ACTIVITY:Documen Checklis or Meeing wih Your Atorney. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38 ACTIVITY:Make a Financial Time Line. . . . . . . . . . . . . . . . . . . . 41

ADD and Your Money

CHAPTER 3 Planning or Your Fuure . . . . . . . . . . . . . . . . . . . . . . 43 ACTIVITY:Should You Ge Lie Insurance? . . . . . . . . . . . . . . . 49 ACTIVITY:Find he Bes Disabiliy Insurance Policy or You 50 ACTIVITY:Keep Track o Your Insurance . . . . . . . . . . . . . . . . . 50 ACTIVITY:Seting Up a Will . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54

CHAPTER 4 Invesing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55 ACTIVITY:. . . . . . . . . 59Deermine Your Level o Financial Risk ACTIVITY:. . . . . . . . . . . . . . . . . . . . 62Is I Time o Sell My Sock? ACTIVITY:Find and Research Your Favorie Companies . . . 63

CHAPTER 5 Organizing Your Money . . . . . . . . . . . . . . . . . . . . . . 67 ACTIVITY:Wha Money Organizaion Techniques Have Worked or No Worked in he Pas? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 68 ACTIVITY:. . . . . . . . 70Keep Track o Auomaic Wihdrawals ACTIVITY:. . . . . . . . . . . . . . . . . . . . . . . . . 76. . Hiring an Assisan ACTIVITY:Keep Track o Your Financial Documens . . . . . . 78

CHAPTER 6 Budgeing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 81 ACTIVITY:Creae a Budge. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 83 ACTIVITY:Discuss Your Budge wih a Financially Savvy Person . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 86 ACTIVITY:Immediae, One-Year, and Five-Year Financial Goals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 87 ACTIVITY:Make Seps or Achieving Your Goals. . . . . . . . . . 88

CHAPTER 7 Spending. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 91 ACTIVITY:Come Up wih Low-Cos Aciviies. . . . . . . . . . . . 93 ACTIVITY:Using Your Shopping Monior Efecively . . . . . . 94 ACTIVITY:Keep Track o Your Cash Purchases or One Week. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .101

CHAPTER 8 Loans and Deb . . . . . . . . . . . . . . . . . . . . . . . . . . 103 ACTIVITY:Record Your Credi Card Inormaion . . . . . . . . .106 ACTIVITY:113Keep Track o Your Crediors . . . . . . . . . . . . . . . . . ACTIVITY:Wha Can You Sell? . . . . . . . . . . . . . . . . . . . . . . . . . . 115

CHAPTER 9 Bank Services . . . . . . . . . . . . . . . . . . . . . . . . . . . 117 ACTIVITY:119Who Can I Pay Auomaically? . . . . . . . . . . . . . . . . ACTIVITY:Can Someone Guess Your PIN? . . . . . . . . . . . . . . .120 ACTIVITY:Selec he Righ Bank . . . . . . . . . . . . . . . . . . . . . . . . .122

CHAPTER 10 Talking o Your Kids Abou Money . . . . . . . . . . . . . . 125 ACTIVITY:Blueprin or a Money Discussion . . . . . . . . . . . . .128 ACTIVITY:Come Up wih a Scrip or Talking o Your Child Abou Money . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .129 ACTIVITY:Creaing a Chore Char . . . . . . . . . . . . . . . . . . . . . .132

Conclusion . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 137

Resources . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 139

Reerences . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 151

Foreword

Durng te past twenty-îve years, a small but growng body o scentîc lterature as been publsed on te nature o attenton-deîct/yperactvty dsorder (ADHD) n te adult populaton. ADHD was once tougt to be te exclusve doman o cldren and adolescents, but scentsts and pract-toners ave ound tat ADHD symptoms ound n yout oten cross nto adultood and ave proound efects on many aspects o adult lvng. Muc o wat as been wrtten about adults wt ADHD as come rom te experence o clncans wo treat adults wt ts condton and rom te adults temselves. he growng body o ts anecdotal lterature strongly concludes tat adults wt ADHD are requently severely mpacted by te nature o ter condton. Furtermore, tere s a growng body o scentîc lterature (Barkley, Murpy, and Fscer 2008) tat supports ts concluson as well. Among te myrad problems tat are reported by adults wt ADHD are underacevement n scool and on te job, relatonsp dIcultes, problems wt organzaton, problems wt attenton regulaton, sel-control dIcultes, anxety and depresson, and înancal problems. ïndeed, scentîc studes o adults wt ADHD ound money man-agement to be a sgnîcant problem. Adults wt ADHD ad greater problems tan ter non-ADHD counterparts n several areas o money management: Managng money  Savng money  Buyng on mpulse  Nonpayment or utltes 

Voir