Money & Budgets

A Bill-Paying System to Keep You on Track

Unopened bills piling up? Don’t stress — learn to get organized and manage your money with this simple system.

Hands of person with ADHD searching through bills in file cabinet
Hands of person with ADHD searching through bills in file cabinet

Tina was so frightened of what she’d find in months of unattended-to mail that she brought the entire pile into my office. If you’re an adult with attention deficit disorder (ADHD), you can probably relate to Tina’s predicament.

Bill-paying is a headache-inducing task for many adults with ADHD. As it is, some of us have enough trouble remembering where we put all of our bills. Other people with ADHD “do turtle” — they let the paperwork pile up into ominous stacks of unopened envelopes until the IRS begins sending scary, official-looking letters, and bill collectors are calling daily. We may put off opening the envelope that’s been sitting on the entryway table for weeks because we’re afraid to find late fees charged or an overdue notice. Bills can also be an uncomfortable reminder of the impulsive spending you’d rather forget. (“I can’t bear to see how much I owe on my credit cards. Why did I buy that cotton-candy machine — and where did I put it?”) Luckily, there are ADHD time management strategies that can help you.

Eventually, my assurances that solutions could be found gave Tina the courage to open the envelopes and measure the size of her financial plight. Together, we worked out a bill-paying system that has been effective for her. It’s a simple, adaptable routine that you can do on a regular basis to keep the task from becoming overwhelming.

ADHD-Friendly Bill-Paying System


  • A rolling file cart. File carts hold hanging files on the top, with room for one or two baskets below. They can be purchased at any office supply store.
  • A wall calendar.
  • 2 hanging files that have an accordion bottom and are closed at the ends.
  • 12 regular hanging files.
  • Roll of stamps.
  • Address labels or address stamp and stamp pad.
  • Several pens.
  • A calculator.

[Free Guide: Organize Everything Today!]


Keep your rolling cart near the place where you bring in your mail every day.

Hang the calendar on the wall, clearly visible above your mail-sorting station. Using a thick, red marker, circle the two dates each month that you plan to pay bills. For this example, we’ll use the 10th and the 25th of each month.

Label the first accordion folder, in large, clear type: “Bills to pay on the 10th of month.” Label the second accordion folder: “Bills to pay on the 25th of month.”

Hang these two folders in the front of your rolling file cart.

The 12 regular hanging folders are for storing the bills that you have paid, by month. Clearly label each one: “Bills paid, January 2017,” etc. Hang these in order after the two accordion folders.

Store the following bill-paying items in one of the baskets in the cart: roll of stamps; address labels or return address stamp and ink pad; calculator; blank envelopes (in case you lose the one that came with the bill; and pens (If the basket is made of metal wire, keep the pens in a plastic baggie so they don’t fall through the bottom).

[Stop Spending So Much Money! An ADHD Budgeting Guide]


Open each bill as it arrives. Check the payment due date and drop in the appropriate accordion file.

On the 10th and the 25th of each month — bill-paying days — roll the cart to your desk, the dining room table, or wherever you’ll write the checks to pay your bills.

Take out all of the bills from the appropriate accordion folder. Using your calculator, quickly add up the total due for all of the bills.

Check your balance online to make sure you have enough funds to make the full payment on each bill before you start writing checks.

See each bill through to completion (payment stub filled out, check enclosed, envelope sealed, stamped, and addressed) before moving on to the next one.

Put the entire stack of payments in the mailbox. Don’t wait until tomorrow to mail them, or you might forget to do it.

You’re done! Isn’t it easy now that you’ve got everything you need in one place?

ADHD Paper Management Tips

  • Reduce the number of bills you have to pay — and better manage debt — by consolidating. (Got too much debt to consolidate right now? Then work toward that goal. Transfer your smaller balances to the card with the lowest interest rate. Then concentrate on paying off your higher-rate cards first. Soon you’ll have fewer bills and lower debt!
  • For “must-pay” items that bring high late fees or could potentially ruin your credit, consider having them paid automatically through your bank.

[When ADHD Feels Like “Money Deficit Disorder”]