Dollars & Sense Blog

There’s something for everyone. News, advice, scholarship information, curriculum – you’ll find it all here. Don’t forget to check back for the latest in personal finance content.

Expand Archives
Ideas & Info for:


Frequently Asked Questions About Helping Your Partner and Yourself

Faq’s About Helping Your Partner and Yourself When journalist Gina Pera married a man with undiagnosed add, adhd hyperactivity disorder(Attention deficit hyperactivity disorder), She embarked on a wild ride that took her from frustration and confusion to realizing and advocacy. Queen: How did you realize your husband had ADHD? Any: My husband is an exceptional scientist, And I had never dated a researcher before I met him. You know the unoriginal absent minded professor? At first i believed that he must be it. When we began dating, He used to miss our exit most of the time when driving down the freeway in San Diego. Then he had two fender benders in most likely the first three weeks we were dating. ADHD tends to create problems with driving because it involves attention to so many levels. The first time he said it was because he was so excited to have me vehicle with him. And I made practical excuses for him: He grew up with the subway; Hed learned they are driving, In london, Only the year before. Its not that there werent little red flags everywhere you look; I just didnt know the truly amazing were. But those warning soon became bigger problems. Promises were ignored and not even recognized. He was doing really thoughtless techniques and I knew he wasnt a thoughtless person. We tried counselling, And the practitioners just loved to hear our stories: They could tell we loved each other and they were thoroughly have fun by our problems, But they just couldnt give us any good proposals. One day at the library i found the book Change Your Brain, Reprogram your Life by Daniel Amen, Maryland. I was keen on his description of ADHD and the way it physically affects the brain; It really seemed to explain my husband all the way back to his childhood. I took the book home and said to my hubby, “Do you think could be you, And he was quoted saying, “Guess what happens? Truly makes sense marquette king jersey, Queen: In the title of one’s book, You used the previous term”Contain, Why that as ADHD? Each: I have several problems with the name ADHD, As I know a lot of doctors and experts do too. First, The exact”L” For adhd: Most adults dont exhibit these hyper symptoms, And because of that many dont ever consider the fact that they could have this condition. Thats why the state name is AD/HD, Plus a slash, To indicate that the attention deficit disorder is optional; That its a subtype of a larger ailment. My hubby has what I call”Stealth attention deficit hyperactivity disorder” Because i thought he was so relaxed; His eyes werent even ever open right when I first met him. Similar, He was just explored because his time was managed so poorly. Normally, Both names(ADD and hyperactivity) Present obstacles to comprehending the true nature of the condition. As an example, “Add, adhd” Isnt incisively true, Because people with ADHD can still focus on specific things. The, They often hyperfocus way a lot of time on one thing, Like gaming or reading about hang gliding on the Internet for eight hours straight. They stay up for hours; Theyre sleep deprived the following day. Its not an add problem; Its an attention management problem. Queen: Just exactly the various biggest issues that get in the way when one partner in a relationship has ADHD, Based on your knowledge about support groups? This: Not knowing that ADHD is involved is probably the biggest and most severe problem, Because both people misattribute each others proceedings. The allies will conclude doesnt love me; Shes so egocentric; He doesnt care about us, While the people who ADHD think they are being unfairly criticized, Due to the, Not realizing they’ve ADHD or what it truly means, They have tunnel vision and think everyone functions identically they do. Funds are also huge, Especially inflexible economy. One large survey established that ADHD costs adults $77 billion a year in lost household income, Due to lower schooling levels, More affordable level jobs, And joblessness. Even if someone must be used, They might be passing up on promotions or raises because theyre constantly in trouble, Missing work due dates, Or receiving bogged down with little details. The third thing is simply the unreliability of a person with ADHD. A lot of spouses I know complain about having someone whos like another child: They feel like they will scold them constantly and remind them to clean up their messes, They cant have used them to pick their kids up from school, Theyre always interested in another car accident or surprise credit card bill. That can be a real link killer, And it may a lot of bitterness. Queen: Besides difficulty at work, How else can ADHD affect a familys finances? A very: Lots of people with ADHD do a lot of self medicating with shopping, As an example. In my organizations, We always laugh at the amount of people who have closets at home filled with eBay or as seen on TV products. Analysts know that dopamine, The brain chemical released till buying something or trying to win something, Also has something connected with attention disorders. So some people with ADHD are more drawn to the thrill of spending cash though once they get the actual product they lose interest. While theyre not chronic spenders, Many people with ADHD are apt to have other financial problems. In the house, We spent a fortune just on overdue library books. My husband would forget to mail his mothers personal gift ahead of time, So wed spend lots of cash overnighting it to Canada. In arrears bills, Additional fees, Exceeding the speed limit tickets, Higher insurance costs due to car accidents these things can add up to big problems. Queen: Can ADHD cause a spouse to neglect her partner? Any kind of: Yes indeed, Therefore it may be as sudden and dramatic as a light switch going off. Lots of people with ADHD can get really fired up during courtship; The professionals call it”Hyperfocusing, They meet a new guy or girl, They want to be together on daily basis and have sex on a regular, And they pursue their new love in great amounts then once theyve”Built” An ex, Once that dopamine stops streaming, They cant help but start working on a new obsession, Like a video game or once again hobby. Queen: Are you a big advocate of prescription drugs for ADHD? That a: Shockingly, I am just. But my first inclination is to always do things naturally. My mother is french, And we grew up maintaining a healthy diet foods, Increased daily water consumption, And not taking medicine unless essential. So with my hubby, At first i was thinking, “It must be his extreme diet, I gradually pushed him to cut out his coffee and sugar, Which usually we tried an herbalist, A strong acupuncturist, Various health, More process, And many others. We tried just about every thing, There exists nothing that worked. I was amazed what a positive change medication can make when its prescribed properly. My better half is now the attentive, Caring person I always knew that he was deep-down. Incredibly important, He is notably happier in his life and in his work, Where he is significantly more productive and fulfilled. I will never say that youu might need medication to control their ADHD, But I also think its definitely worth a try if behavioral techniques and change in lifestyle dont help. Queen: Whats different about the female in a courting having ADHD, In contrast to a male? A definite: ADHD has as a rule been diagnosed more in men, But scientists have realized may possibly be just as common often missed women. And in my organizations, I often have the most compassion for the men that need help for their female partners with ADHD. Good reason? Because in the west, The the usual understanding is that women are caretakers. Its normal for them to have their husbands to see the doctor, To notice health factors, To nag their husbands about severe TV watching or sloppy habits. But is an excellent a man encouraging his wife to see a doctor or a therapist, And whining that shes messy, Or that she lets old food member in the fridge, Or that she cant do laundry because she leaves the garments in the washer and they get moldy? People a glance at him and think, “Such a chauvinist pig! Youre mad that your sweetheart is a bad housekeeper, But hes not protesting and complaining for selfish reasons; Hes genuinely thinking about his wifes habits and the effect its having on their marriage. All these men are earning the money, Working full time mum, And doing all from the chores, Having the kids to school, And paying of the bills, His or her wives cant manage. I knew one young father who got a job closer to home so he could visit at lunchtime to check and be sure his wife wasnt asleep while their toddler was up. Thats an intensive case, Absolutely, But I think most men avoid seeking”Program” They might see it as a sign of weakness that they cant handle the problem. So by the time I see a concerned husband at one of my organizations, I know his wife probably has pretty severe complaints. Thats starting to change now, Despite the fact, As women with ADHD who themselves have initiated the identification are asking their partners to become educated. Queen: Can living with an ADHD person make you feel like you have issues as well? The right: Should you have a friend whom youd arranged to meet for lunch at 1 Gareon Conley jersey, And you go to the commercial location and she never shows, And later states, “Did we are saying 1? Absolutely simply zero connor cook jersey, I’m sure we said 2, Your immediate impulse is to feel as if maybe you were wrong. Living with somebody who has ADHD is like that all the time: You second guess manually, You lose sleep from your partners irregular sleep patterns, You get frustrated with the lack of operation and order, And youre frequently trying to put out fires set by your ADHD partner.

High School Students Master Personal Finance Thanks to H&R Block


Billy Balfour Image 2

Teens from Florida, Michigan and Texas Take Home $20,000 College Scholarships from Finance Competition
February 15, 2017, Kansas City, Mo. — Seventy-five percent of teens say learning more about money management is one of their top priorities and the H&R Block Budget Challenge is helping teens do just that in classrooms nationwide. Through this program, thousands of teens are preparing for the financial trials of adult life, and this month H&R Block awarded $100,000 in scholarships to acknowledge the exemplary budgeting, saving and investing skills of five students from the fall 2016 Budget Challenge.

Studies show money is one of the biggest stressors for Americans, and many people don’t feel confident managing their finances. The H&R Block Budget Challenge gives students the opportunity to learn with and compete against students from all 50 states for scholarships in a game-like environment. During the 10-week program, students pay bills, manage expenses, save money, invest in retirement and pay taxes as if they were recent college graduates.
Alexa Brutus and Trey Hawkins of Bradenton, Fla.; Billy Balfour of St. Clair, Mich.; and Micah Bong and Saad Khawajal of Sugar Land, Texas, each earned $20,000 scholarships for being the most “real-world ready” of more than 73,000 students learning and competing in the fall Budget Challenge.

“Strong money management skills can make such a difference when new graduates head out in the real world, but funding for personal finance courses in high school can be scarce” said Kathy Collins, chief marketing officer of H&R Block. “We’re proud to offer the H&R Block Budget Challenge free to teachers and students nationwide to help teens learn these important financial skills before they start earning on their own.”

Real-World Experience
Winner Billy Balfour was taught about personal finance growing up, but he says it didn’t click for him until he participated in the H&R Block Budget Challenge.

“Learning about personal finance was a huge priority for me. Even though I grew up talking about budgeting with my parents, it never really made sense to me until I had to do it myself,” said Balfour.
Balfour’s teacher Amanda Volz of St. Clair, Mich., has taught personal finance using the H&R Block Budget Challenge for three years and has found the program to be rewarding year after year for her students.

“The Budget Challenge gives my students excellent hands-on experience they can’t get from a textbook,” said Volz. “They walk away from this program knowing how banking, insurance and budgeting works in adulthood, which is invaluable.”

Legacy of Learning
The H&R Block Budget Challenge is part of H&R Block Dollars & Sense, an initiative that has helped more than 1 million teens become more real-world ready by giving them the knowledge they need to manage their money.

This year, over 3,500 high schools received free H&R Block Budget Challenge curriculum. Since starting the Budget Challenge three years ago, more than 450,000 high schoolers have benefitted, more than $6 million in scholarships and prizes have been awarded and five additional national winners will be announced in May.

To learn more visit
Editor’s Note: Current winners and former participants – including students and teachers – are available to share their personal experiences with the H&R Budget Challenge.
About H&R Block Dollars & Sense
H&R Block, Inc. (NYSE: HRB) is a global consumer tax services provider. Tax return preparation services are provided by professional tax preparers in approximately 12,000 company-owned and franchise retail tax offices worldwide, and through H&R Block tax software products for the DIY consumer. H&R Block Dollars & Sense is committed to increasing teens’ financial fitness by providing practical financial skills and has helped more than 1 million teens become more real-world ready. For more information, visit the H&R Block Newsroom, or follow H&R Block on Twitter, Instagram or Facebook.
About ProperLiving
Based out of Cincinnati, Ohio, ProperLiving, LLC owns and operates the Budget Challenge Personal Finance Simulation, which received a U.S. Patent in May 2013.