69 | The Neurodivergent Parent's Practical Budget Guide to September Back to School Shopping

71 | Fast Debt Payoff Strategies That Work For Neurodivergent Brains

Get out of debt fast — even with an neurodivergent brain. In this episode, discover the complete shame-free debt payoff method built for neurodivergent brains, not against them. Debt does not make you a bad person, but paying only the minimum on the average UK credit card takes 27 years and 8 months to clear. Esther shares the eight phase method she used to pay off £18,000 in 22 months before becoming a homeowner five months later — including the phase nobody teaches: exactly what to say to your creditors. Learn why the total debt number shuts your brain down, how to build a payoff plan that survives bad brain days, what settlement figures and write-offs really mean, and why your neurodivergent brain is not the problem — it's the way out. Whether you're drowning, stuck on minimums, or ready to optimise, this is your practical roadmap. Perfect for when debt-free feels impossible.   Highlights * Getting out of debt is not a discipline problem — it's a method problem. * Paying only the minimum on the average UK credit card takes 27 years and 8 months to clear. The slow lane is real. * Fast doesn't mean overnight. Fast means finding the right method once instead of losing years to methods built for a different brain. * Never look at your total debt. One page per debt keeps an ADHD brain moving. * Your creditors are not waiting to punish you — they respond to people who talk to them. * The research is clear: people who clear their smallest debts first are the most likely to become completely debt free. The wins predict success, not the maths. * If you're borrowing from Peter to pay Paul, you're not paying debt — you're servicing it. Sometimes the bravest move is to stop and get advice. * Small victories turn into a big glory.   Why You Should Listen If you've ever started a debt payoff plan full of fire and watched it collapse by month two, this episode is for you. Esther names the six real reasons debt plans fail neurodivergent brains — total number shutdown, motivation drops, all-or-nothing thinking, stress spending, time blindness and decision fatigue — then gives you the complete eight phase method to become debt free. You'll leave with one tiny action you can take today, even on a low-capacity day, and proof that you were never the problem.   The 8 Phase Method to Get Out of Debt 1. Turn the tap off: Stop adding to the debt. Cards out of the phone wallet, no new borrowing, out of the overdraft. Friction is your friend. 2. Get your money in order first: Budget ready, a separate account just for debt payments, every minimum payment automated. This reduces the executive dysfunction later. 3. The debt inventory: One page per debt — never the terrifying total. A notepad works even better than a spreadsheet. Include every buy now pay later balance. 4. Talk to your creditors: Tell them you are neurodivergent and ask what support they offer. Ask for a settlement figure. Ask about write-offs. Keep everything in writing. 5. Choose your method: Snowball or avalanche — no right or wrong. Try both on paper and decide. Esther chose the snowball and cleared £18,000 in 22 months. 6. Find the extra money, the ND way: Get creative. Sell what you're not using, work extra hours, or find a small part-time role with one job only. Even £20 a month moves the date. 7. Set the date and protect the momentum: A debt-free date somewhere visible, the 48-hour windfall rule, and an accountability partner. 8. Celebrate every cleared debt: Not just the last one. Celebration is the fuel system that keeps the snowball rolling.   Links & Resources: * 🆓 Free debt advice  * StepChange: https://www.stepchange.org [https://www.stepchange.org]  * National Debtline: https://www.nationaldebtline.org [https://www.nationaldebtline.org]  * Citizens Advice: https://www.citizensadvice.org.uk [https://www.citizensadvice.org.uk] * 🛡️ Breathing Space scheme (60 days of frozen interest and paused creditor action in England and Wales) — find a free debt adviser via MoneyHelper: https://www.moneyhelper.org.uk/en/money-troubles/dealing-with-debt/use-our-debt-advice-locator [https://www.moneyhelper.org.uk/en/money-troubles/dealing-with-debt/use-our-debt-advice-locator] * 📞 National Gambling Helpline (free and confidential): 0808 8020 133 * 📑 Free Neurodivergents and Money Report: https://estherbangura.com/nd-money-report [https://estherbangura.com/nd-money-report] * Book your 90 minute 1:1 session — get organised, know what to say to your creditors, and get on the path to debt free: https://www.estherbangura.com/coaching [https://www.estherbangura.com/coaching] * 🌐 More resources: www.estherbangura.com [http://www.estherbangura.com]

70 | How To Build £1000 Savings With A Neurodivergent Brain Using 8 Steps

Save £1000 without fighting your neurodivergent brain. In this episode, discover shame-free neurodivergent savings strategies that work with your executive function—not against it. Esther shares why the first £1000 feels so hard for ADHD, dyslexic and dyspraxic brains, the five hidden barriers mainstream money advice never names, and her own story of setting up savings with hope and watching them drain away—until she built a system for the brain she actually has. Learn nervous-system-led tactics to turn money avoidance into micro-wins, automate the overwhelm away, find money you didn't know you had, and build savings habits that actually stick for neurodivergent brains. Whether you're starting from zero, restarting after falling off, or ready to grow what you have, this is your practical blueprint. Perfect for when financial goals feel impossible.   Highlights * Saving money is not a discipline problem—it's a design problem. * Almost one in three UK adults could not cover a £1,000 emergency from savings, and a quarter of women have less than £1,000 saved. You are not behind; you are in a crowded room. * £1000 is not really the goal—building your saving muscle is. Every transfer is one rep. * Touching your savings is not failing. It's data. * A pause rule beats a no-touch rule: ask "is this a money problem or a regulation problem?" * Found money that sleeps in your current account rarely survives the night—move it to the pot the same day. * £5 a week is not a failure number. It's a foundation number.   Why You Should Listen If you've ever set up a standing order full of hope and cancelled it three weeks later, this episode is for you. Esther names the real reasons saving feels impossible for neurodivergent brains—time blindness, all-or-nothing thinking, decision fatigue, and shame from past attempts—then gives you a complete, step-by-step system to save your first £1000. You'll leave with one tiny action you can take today, even on a low-capacity day, and proof that you were never the problem.   8 Steps to Save Your First £1000 1. Pick your number: A specific amount, not a percentage. Choose what works on your worst month, not your best. 2. Open a separate savings account today: The account comes before the money. Easy access, no card, slightly annoying to reach. 3. Automate for payday: Pay yourself first, before lifestyle spending wakes up. 4. Name the account: Future Calm. Breathing Room. My £1000. Money with a purpose is harder to spend. 5. Set one visual tracker: Your banking app's goal bar, a fridge printable, or one phone note. One tracker, not three. 6. Use a pause rule, not a no-touch rule: Wait 24 hours and ask—money problem or regulation problem? 7. Get an accountability partner: Body doubling for money. Her job is to celebrate with you, not check up on you. 8. Celebrate every £100: That's ten celebrations between you and your goal.   Links & Resources: * 💷 Help to Save scheme (50p government bonus for every £1 saved if you're on Universal Credit and in work): https://www.gov.uk/get-help-savings-low-income [https://www.gov.uk/get-help-savings-low-income]   * 📑 Free Neurodivergents and Money Report 2025: Download Managing Money with a Neurodivergent Brain — UK Research 2025 [https://www.estherbangura.com/neurodivergentandmoneyreport]   * Book your 90 minute 1:1 session — get your finances in order, save money and become debt free: https://www.estherbangura.com/coachinghttps://www.estherbangura.com/coaching [https://www.estherbangura.com/coaching]   * 🌐 More resources: www.estherbangura.com [https://www.estherbangura.com]

69 | The Neurodivergent Parent's Practical Budget Guide to September Back to School Shopping

Back to school spending triggers money anxiety and executive dysfunction for neurodivergent parents faster than almost anything else. In this episode, learn why September catches your brain off guard every year, and get the six step spending plan that uses one master list, a pre commit pot and automation, not willpower, to get through September without financial panic or shame. Plus the 2026 support many families never claim, including free school meals worth up to £500 per child, and the sinking fund that means next August is already paid for. Perfect for neurodivergent parents and any neurodivergent adult using September as a financial reset.   In this episode: * What back to school really costs in 2026, UK and US * The six step budget system that works with your brain * NUIC: how to get unstuck when your brain will not start * The 2026 support you may be entitled to, and how to claim it * What to do when the money is genuinely not there * The sinking fund that ends the September panic for good   Resources: * Apply for free school meals: https://www.gov.uk/apply-free-school-meals [https://www.gov.uk/apply-free-school-meals] * Apply for uniform grants; https://www.gov.uk/school-uniform * Also check your local council website    Work with Esther: Book a 1:1 Neurodivergent Breakthrough Coaching Session and build a money system that means September never catches you off guard again. We turn challenges into strengths and work with your brain, not against it.  👉 Book your 90-minute 1:1 session now at www.estherbangura.com/coaching [https://estherbangura.com/coaching] — and get the personalised support your nervous system actually needs.   If this episode helped you, please leave a review and share it with someone who deserves shame-free support. It means everything. 🙏

68 | Dyspraxia and Debt: Why Managing Debt Feels Physically Overwhelming

Dyspraxia doesn't just affect your executive function—it affects how your body experiences debt management. Learn why tracking payments, organizing paperwork, and coordinating financial tasks feel physically and mentally draining, and discover nervous-system-aware strategies (voice tools, visual trackers, body doubling) that reduce the physical toll of debt payoff while building momentum toward being debt-free.   Why You Should Listen If you've ever blamed yourself for not being able to face your finances, this episode explains why it's not a motivation problem — it's a physical one.   In This Episode You'll Learn: * Why dyspraxia creates a physical cost — not just a cognitive one — and why debt admin leaves you genuinely depleted, not lazy * Why nearly half of people seeking debt help in the UK were in full-time employment — income was present, but capacity was not * The one practical shift that makes debt admin more manageable: matching the task to your body, not your calendar The CODIM Study — Please Share This If you are in the UK, aged 18–40, and dyspraxic (with or without a formal diagnosis), you can take part in a groundbreaking research study: The Cost of Dyspraxia in Millennials and Gen Z (CoDYng), run by Newcastle University. There is currently zero published research on dyspraxia and debt. Studies like this are how that changes. Your experience is evidence — and it matters. 👉 Take part here: https://newcastlehealth.eu.qualtrics.com/jfe/form/SV_1N5d3KaPfmnUQTQ Or DM Esther on Instagram @bossofmymoney and she'll send you the link directly.   Your Gentle Homework This Week Find one piece of debt correspondence — one letter, one statement, or one email — and put it in one place. You don't have to open it. You don't have to fix anything. Just one piece of paper in one place. Every debt journey starts with knowing where one thing is. On a low capacity day, that one thing is enough.   Connect With Esther 📲 Instagram: @bossofmymoney 🌐 Coaching: www.estherbangura.com/coaching [https://estherbangura.com/coaching]   Ready to stop surviving and start feeling in control? 👉 Book your 90-minute 1:1 session now at www.estherbangura.com/coaching [https://estherbangura.com/coaching]— and get the personalised support your nervous system actually needs. If this episode helped you, please leave a review and share it with someone who deserves shame-free support. It means everything. 🙏

67 | Filing Taxes With ADHD: How AI Became My Executive Function

Tax season triggers ADHD overwhelm faster than almost anything—but AI can be your executive function substitute.   In this episode, I walk through the exact AI tools I use to organise bank statements, extract data, create income and expense spreadsheet and manage timelines without the shame spiral.    Learn how to set up automation that works with your brain (not against it), why traditional tax advice fails neurodivergent adults, and how to regulate your nervous system through the filing process.   Ready to stop surviving and start feeling in control? 👉 Book your 90-minute 1:1 session now at www.estherbangura.com/coaching — and get the personalised support your nervous system actually needs. If this episode helped you, please leave a review and share it with someone who deserves shame-free support. It means everything. 🙏