Many people with AD/HD have trouble managing their finances. They usually don’t have an effective system for paying bills and acquire an overwhelming amount of debt, due to impulsive spending. Managing finances requires attention to detail, record keeping, timeliness, and organizational skills; all things that are challenging to people with AD/HD.

Here is a simple, yet effective way to manage your money and pay your bills on time:

1. Collect: You need to know what’s coming in and what’s going out in order to effectively manage your money. Collect one month’s worth of pay stubs and bills in one container.

2. Enter: Creating a visual representation of when your money comes in and goes out will give you a clearer picture of your financial situation and make it easier to develop a payment schedule. Print out a blank calendar or use an online calendar such as Yahoo Calendar or Google Calendar. Enter all payment amounts for each bill on its due date. Then enter the amount of your paycheck on the dates you get paid. This is your bill payment calendar for the month.

Attention Deficit Disorder is a very complex, often misunderstood disorder. Its basis is physiological; however, a host of ramifications may accompany it. That aside, what are the differences between ADD and ADHD? ADHD stands for Attention Deficit Hyperactive Disorder, with the main symptoms being visible hyperactivity and/or impulsivity - which stand out to the objective observer. ADD stands for Attention Deficit Disorder; its main distinguishing feature is inattention.

For many years, the typical picture of Attention Deficit Disorder has been the little boy that is bouncing off the walls and driving his teachers and parents crazy. ADHD is by far the most diagnosed of the two subtypes, simply because it is so much more visible than ADD. Since hyperactivity creates a lot more distraction and problems in the classroom, it is identified earlier and gets the most attention Unfortunately, even though ADD is not as visible, the results of the disorder can be just as destructive.

With inattentive attention deficit disorder, or ADD, the person suffering from it will seem spacey and disorganized. Most often, sufferers will be staring out the window during classes and appear as if they are never quite present. This type is much more difficult to diagnose; indeed, many individuals having this form of ADD are unaware they have it for years.

In the past, it was believed that only boys had ADHD. This myth has been shattered recently, though. It is now known that both boys and girls can have attention deficit disorder, and many do not outgrow it in adulthood. One difference that has been noted is that girls tend to have the inattentive version of ADD, which is often misdiagnosed as depression. Because inattentive ADD does not cause obvious problems and distractions to the surrounding environment, many suffer in silence for years before they find out the real cause of their troubles.