Savings Plan

Saving money with ADHD is harder than it looks from the outside. The obstacle is not usually knowledge or intention - most people know they should save and intend to. The obstacle is delayed reward. Savings produces no visible result in the present. The account balance grows slowly. The future benefit is abstract. ADHD brains are wired toward immediate feedback, and savings offers almost none.

Two things change that pattern. First, connecting the savings number to a specific goal and a real motivation - not "save more" but "save $400/month because we want a family trip in August and that is what the flights cost." Second, tracking actual versus goal monthly so that the progress becomes visible. Each month you hit the goal is a small, concrete win. Each month you fall short is data, not failure.

This tool covers both. The first page connects the numbers to the motivations. The second page tracks the year. Fill the first page when you set a savings goal, and update the second page when each month closes.