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The Emotional Bankruptcy of Hoarding: When Sentiment Costs You Everything

April 10, 2025 By Teri Monroe Leave a Comment

the emotional toll of hoarding
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Hoarding is defined by the American Psychiatric Association as a mental health condition where “people with hoarding disorder have persistent difficulty getting rid of or parting with possessions due to a perceived need to save the items. Attempts to part with possessions create considerable distress and lead to decisions to save them. The resulting clutter disrupts the ability to use living spaces.” According to the National Institute of Mental Health, the prevalence of hoarding disorder in adults is estimated to be around 2%-6%. Hoarding is different from collecting, which is usually more organized. While both usually have emotional ties, hoarding is more haphazard and impacts an individual’s ability to live comfortably in their home in most cases.

Hoarding is not an isolated issue. The disorder comes with emotional, financial, and even legal hardship. Here we’ll break down the many costs of hoarding.

The Emotional Toll of Hoarding Disorder

Each item for hoarders holds emotional value and individuals with the disorder have a hard time parting with items, which can get worse over time. Usually, the disorder is accompanied by guilt, anxiety, and shame. Most hoarders hold on to the nostalgia of the past as well as grief or fear of loss. Many are left clinging to the past instead of creating new memories in the present day.

Often, hoarding puts a strain on relationships as hoarders tend to isolate themselves and not want others to see their home. This usually makes the situation worse and intervention is needed. If unable to care for themselves, family members may need to step in and seek guardianship to manage the hoarder’s affairs.

Financial Toll of Hoarding

Hoarding doesn’t just impact living spaces and relationships, it can also take a financial toll. Individuals may have a hard time with impulse control and may feel the need to continuously buy more stuff. Shopping is now easier than ever with one-click buying possible on sites like Amazon, which may be a huge temptation for hoarders.

Additionally, hoarding may decrease the value of an individual’s home due to a lack of upkeep. This can especially put a strain on heirs when it becomes time to sell a loved one’s home. If an individual rents, hoarding may also lead to eviction. While hoarding is a disability and protected, if hoarding poses a direct threat to the property or to others, it may warrant eviction. Hazards include issues such as fire hazards, pest infestations, or blocked emergency exits. Landlords are required to provide accommodations, but they may take legal action if unresolved.

Hoarding disorder brings a host of emotional, legal, and financial challenges for hoarders and their loved ones. Often, the only solution is to hire a professional cleanup service and seek support from national and local resources, including support groups.

How has hoarding disorder impacted your life? Let us know your thoughts in the comments.

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The Hustle Is Real: What No One Tells You About Working a Second Job to Get Out of Debt

Why Is Getting Out of Bed So Hard When You’re Broke

Teri Monroe Headshot
Teri Monroe

Teri Monroe started her career in communications working for local government and nonprofits. Today, she is a freelance finance and lifestyle writer and small business owner. In her spare time, she loves golfing with her husband, taking her dog Milo on long walks, and playing pickleball with friends.

Filed Under: General Finance Tagged With: emotional toll of hoarding, financial toll of hoarding, hoarding

The Hustle Is Real: What No One Tells You About Working a Second Job to Get Out of Debt

April 8, 2025 By Teri Monroe Leave a Comment

things you need to know about having a second job
Image Source: Pexels

Working a second job to pay off your debt is no easy feat. For many, this is the only way to comfortably pay off their debt, especially since wages haven’t increased with inflation. NBC News reported that inflation outpaced wage growth for most workers in late 2021 and early 2022. According to the Bureau of Labor Statistics, in February 2025, 9 million Americans, or 5.5% of the civilian workforce, were working multiple jobs, marking the highest level since 2009.

The rising cost of household essentials has taken a toll on many families, pushing them further into debt. If this sounds similar to your situation, you may be considering working a second job. Before you start your search for an additional job, here are things that people won’t tell you about working a second job to get out of debt.

You Might Get Burnt Out

No one will tell you how fast you will get burnt out managing more than one job. Demanding schedules may leave you with less sleep and more stress daily. Make sure that you have an outlet to unwind and relax when you have downtime, or you may find yourself stressed and irritable more often. Self-care becomes even more important when you have a second job.

You Won’t Have Balance

You may struggle to find any work-life balance. You also might miss out on many important events with your friends and family because you don’t have adequate time off. This may also strain your relationships over time. At some point, this might not be sustainable for you.

You Still May Struggle to Pay Off Debt

You’ll have to be cognizant of lifestyle creep if you’re earning more. Managing your expenses and budgeting is very important when trying to pay down debt. Make sure that you have a plan as to how you’ll pay down your debt with your additional income, otherwise, you may not spend that additional money wisely.

Decline in Performance

If you’re stretched too thin, your work performance may decline. This could put both of your jobs at risk. Make sure that you are able to devote enough time to both of your jobs before taking on additional commitments. You’ll also have to consider if having a second job is a conflict of interest. Make sure to contact your HR Department if you are unsure, especially if you have a non-compete clause in your employment contract.

Opportunity Cost

The time that you spend on a second job could be used to increase your knowledge and skills, helping you grow in your primary job. You may be limiting your long-term career growth if you choose to have more than one job.

You’ll Pay More in Taxes

If you enter a different tax bracket because of your increased income, you’ll probably pay more in taxes. Make sure that you are filing your taxes appropriately if you have more than one job.

What are some reasons that you feel like you need a second job? How do you handle more than one job? Let us know your experience in the comments.

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Why Is Getting Out of Bed So Hard When You’re Broke

If You Stay With Her: 10 Reasons She’ll Always Keep You Broke

Teri Monroe Headshot
Teri Monroe

Teri Monroe started her career in communications working for local government and nonprofits. Today, she is a freelance finance and lifestyle writer and small business owner. In her spare time, she loves golfing with her husband, taking her dog Milo on long walks, and playing pickleball with friends.

Filed Under: General Finance Tagged With: inflation, paying off debt, second job

Why Is Getting Out of Bed So Hard When You’re Broke

April 3, 2025 By Teri Monroe Leave a Comment

struggling to get out of bed
Image Source: Pexels

If you’re broke, you may be struggling to get out of bed. The weight of financial stress can be overwhelming, making it hard to find the motivation to start your day. Every morning may bring a fresh wave of anxiety about unpaid bills, job insecurity, or the uncertainty of how you’ll make it through the week. The mental, emotional, and physical toll of financial struggles can leave you feeling drained before the day even begins. If this sounds familiar, you’re not alone. Here are some key reasons why financial hardship can make it so difficult to get out of bed and what you can do to push through.

Exhaustion

You may be working several jobs to try and make ends meet. You may be pushing your body to the brink and may not be able to get proper nutrition to refuel. Physical exhaustion can also weigh on your mental health. Additionally, you may be stressed about your ability to pay bills or your rent. Worry and stress can also contribute to poor sleep, which can make the problem even worse.

Lack of Motivation

If you feel like you can’t get ahead financially, you may have given up. Lack of motivation can contribute to your inability to get out of bed. It’s hard to feel motivated if you feel like the cards are stacked against you, but remember that you can make small positive changes every day.

Depression

Laying In Bed
Image Source: Pexels

Financial issues can weigh on your mental health. You may also be isolating yourself from friends and loved ones if you don’t have the means to go out with them. Such social isolation can be a trigger for mental health issues. You may be experiencing depression as a result. If you feel hopeless, be sure to seek help from a mental health professional.

Rejection

Getting up when you’re broke may mean facing more rejection from job applications. You may feel that it’s better to stay in bed than be rejected again. It’s important to remember though that rejection isn’t a reflection of your worth. You’re more than a job title or your financial hardships.

How to Make a Change

While it may seem difficult, setting small goals can help you get out of bed. Making a list of goals or things you’d like to accomplish each day can keep you on track. Be sure to celebrate each time you check something off your list. Setting a routine can also be helpful, especially when you’re struggling to get out of bed. This might include incorporating things that help you release dopamine, like exercising. If you schedule your day, you’ll be more likely to get out of bed.

It’s also important to seek support from family, friends, and a mental health professional if you’re struggling. Although it may seem difficult now, there are better days to come.

How do you get out of bed when faced with financial hardship?

Read More

If You Stay With Her: 10 Reasons She’ll Always Keep You Broke

Quiet vs. Outgoing: 10 Daily Habits Separating Introverts and Extroverts

Teri Monroe Headshot
Teri Monroe

Teri Monroe started her career in communications working for local government and nonprofits. Today, she is a freelance finance and lifestyle writer and small business owner. In her spare time, she loves golfing with her husband, taking her dog Milo on long walks, and playing pickleball with friends.

Filed Under: General Finance Tagged With: depression, struggling to get out of bed, struggling to get up when you're broke

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