Hoarding costs you money

When one thinks of hoarding, one often imagines an elderly person who lives alone in the clutter and squalor of their own creation. They hoard items that most of us would throw away and their lives become dogged with other mental health issues that can gradually spiral out of control. One also imagines an unkempt and smelly place, with cats running amok, but this preconceived idea is thoroughly out of touch with the reality of the situation and extremely unfair.

Many hoarding behaviours can be put down to past experiences the individual has gone through. This may be periods of abject poverty, that makes them feel the need to hoard items just in case they could be used to good effect at a later stage.

Although not strictly hoarding, but related for the same reason as above, is the desire not to waste anything and this may even include food that is unfit for consumption. This appears to be primarily confined to older people who may have experienced rationing during wartime and will not let any food go to waste.

One story we heard was about the grandmother of a household who had eaten two whole pots of double cream that had gone off at Christmas, as she felt disposing of the rancid cream would have been a terrible waste. This level of waste not want not mentality can permeate throughout society in one form or another.

The link between hoarding and finances

It is now thought that hoarding can adversely affect your finances. This may sound like a strange statement to make, but a bad financial situation is something we all want to avoid.

All to often, people with a tendency to hoard, simply need help to be able to take control of their desire to hoard and this is sometimes enough to break the cycle.

So how does hoarding items result in your finances being affected in a negative way?

Well, people who hoard things seem to experience many of the following issues:

Hoarders often lose bills in all the clutter that builds up in their home. When bills go unpaid, the hoarder frequently gets penalty fees and in turn these can be lost and mount up too.

People who hoard often misplace cheques and cash, with some remaining missing for years at a time.

Apart from buying things they don't need, hoarders often duplicate purchases as they can't find the item they had bought previously. This clearly cost them more money.

People who hoard also spend a good deal of money on non-priority items. This can take away the money they need for bills, rent or mortgage payments.

Rent a storage unit for extra space

These and similar habits can create a serious financial problem over time. Hoarding unwanted or items one does not really need can leave bank accounts depleted, while the home becomes filled with unnecessary belongings.

Hoarders also frequently bulk but things they don't need or use simply because they may be on sale. A simple rule is that if you don't need it, it's not a bargain, regardless of how cheap it may be.

Hoarders will often buy things on credit and fall into debt when they can't keep up with the repayments. Many of these purchases maybe beyond the earning capability of the individual in the first place. This causes financial stress and in turn creates a downward spiral that is increasingly difficult to climb out of.

How clearing the clutter can help you save money

Clearing away the clutter in your home will have a positive impact on your life. A thorough clear up will prevent you from buying the same items multiple times. It can save you space so you won't need to buy storage containers or rent self store units. A good clean can also help you avoid penalty fines for late bill payments.

A major benefit of clearing the hoarded clutter is if you sell the items you've hoarded. A simple car boot sale or advertising on social media can actually make you money by selling these items.

While clearing the clutter it will be obvious how much of it is actually rubbish. Items which are broken or damaged by thing like mildew can be disposed of. Of course Stevenage Skip Hire can help with that.

A clean and tidy house will reduce stress and anxiety in your life, enabling you to prioritise the things that matter.

When you know what you have at home, you eliminate the urge to buy it again, so no more duplication of purchases that cost you dearly.

It may be surprising to know that there are many different degrees of hoarding. Some hoarders stick to hoarding a particular item, such as magazines or newspapers, whereas other may hoard a wide range of items. Whatever type of hoarding is evident, one could certainly benefit from some professional help, as it can be a form of mental health issue with a root cause that needs addressing.

The bare bones of hoarding

The excuses for hoarding are all too familiar. We've probably all heard someone say things like "I can't throw away old clothes, what if I lose weight? I could fit in them again?"; "I don't want to risk throwing something out that might be valuable"; the most common one is "if I keep this, it may come in useful one day".

Now clearly, keeping the fuse from an electrical appliance that is going in the bin is fine, as having a good supply of spare fuses is useful. Similarly, salvaging parts from appliances can come in very handy for spares or repairs later on. However, as long as this doesn't become an obsession and doesn't take up huge amounts of space, it does not present a problem. When the house has clutter everywhere, or every cupboard or drawer is filled with spare parts of multiple appliances, there is likely to be an issue.

What is hoarding?

Hoarding is the persistent difficulty experienced in discarding or parting with possessions, regardless of their actual value. The behaviour usually leads to emotional, physical, social, financial, and even legal problems for a hoarder and even their family.

Commonly hoarded items are newspapers, magazines, paper and plastic bags, cardboard boxes, photographs, canned or packet foods and clothing.

Hoarding can be related to compulsive to the buying of so called bargains, the compulsive acquisition of free items, whether these are free newspapers or items given away on sites such as Freecycle.

Hoarding symptoms and behaviour

Someone who hoards may exhibit the inability to throw away possessions, no matter what. They may suffer from severe anxiety when attempting to discard anything. They have difficulty categorising or organising possessions.

Hoarders experience indecision about what to keep or where to put the things they've hoarded. They frequently feel distress, such as feeling overwhelmed or embarrassed by their possessions or the state of their home.

Some hoarder can even become agitated or angry when other people touch, interfere or move their items. This is down to obsessive thoughts and actions which are not realistic or justified. They often have a fear of running out of an item or of needing it in the future; even going as far as checking the rubbish bin for accidentally discarded objects.

Hoarding to excess can result in a loss of living space, social isolation, relationship issues within the family, including marital problems, financial difficulties and even health hazards through an increased fire risk or other item related risk such as food poisoning from out of date hoarded food goods.

What are the reasons for hoarding

People hoard because they believe that an item will be useful or valuable in the future. Or they feel it has sentimental value, is unique and irreplaceable, or too big a bargain to throw away. They may also consider an item a reminder that will jog their memory, thinking that without it they won't remember an important person or event.

Hoarding is a recognised disorder that may be present on its own or as a symptom of another disorder. Those most often associated with hoarding are individuals with obsessive-compulsive personality disorder, known as OCPD, obsessive-compulsive disorder (OCD), attention-deficit/hyperactivity disorder (ADHD), and depression.

Although less often, hoarding may be associated with an eating disorder, pica (eating non-food materials), Prader-Willi syndrome (a genetic disorder), psychosis, or dementia.

Hoarding destroys a person's quality of life

A lack of clutter free living space is common among hoarders, who may also live in unhealthy or dangerous conditions. Hoarders often live with broken appliances and without heat or other necessary comforts. They cope with malfunctioning systems rather than allow a qualified person into their home to fix a problem.

Hoarding also causes anger, resentment, and depression among family members, and it can affect the social development of children. Poor, cluttered or inadequate living conditions may lead to separation or divorce, eviction, and even loss of child custody. Hoarding may lead to serious financial problems, as well.

There are differences between hoarding and collecting

Hoarding is not the same as collecting. In general, collectors have a sense of pride and a genuine purpose about their possessions and they enjoy displaying and talking about them. They usually keep their collection organised, feel satisfaction when adding to it, and budget their time and money.

People who hoard usually experience embarrassment about their possessions and feel uncomfortable when others see them. They have so much clutter, often at the expense of living space, they often feel sad or ashamed after acquiring additional items, and they are frequently in debt.

Someone who collects newspaper reviews for example, may cut out the reviews they want and organise them in a catalogue or folder. Someone who hoards may keep large stacks of newspapers that clutter their entire house and mean it's not actually possible to read any of the reviews they wanted to keep.

Hoarding is a disorder

A hoarder acquires an excessive number of items and stores them in a rather chaotic manner, usually resulting in huge amounts of clutter. The items are frequently of little or no monetary value.

Hoarding is considered a significant problem if the amount of clutter interferes with everyday living. So, the person who can no longer use their bed or their kitchen for the amount of clutter clearly has a problem. The problem deepens if the mess is causing significant distress or negatively affecting the quality of life of the person or their family. If a person becomes aggressive when someone tries to clear the clutter away, the relationship can suffer badly.

Hoarding disorders can be difficult to treat because many people who hoard frequently do not see it as a problem, or have little awareness of how it's affecting their life or the lives of others. In short, they live in denial much like addicts of alcohol and drugs.

Some may realise they have a problem but are reluctant to seek help because they feel extremely ashamed, humiliated or guilty about it.

It's very important to encourage a person who is hoarding to seek help, as their difficulties discarding objects can not only cause loneliness and mental health issues, but also pose a health and safety risk.

If not addressed in a timely fashion, hoarding is a problem that will probably never go away of its own accord.

Other reasons why someone may hoard

Hoarding can be a symptom of another condition. For example, someone with mobility problems may be physically unable to clear the huge amounts of clutter that has built up over time and people with learning disabilities or people developing dementia may be unable to categorise and dispose of unwanted items.

Therefore, a good deal of elderly people with infirmities may not intend to hoard, but without help to clean up, rubbish can quickly build up. We went to one customer whose son had booked a skip and the front room, hallway and kitchen were knee deep in junk mail, free newspapers, and packaging from deliveries and disguarded takeaway cartons, where the occupant was no longer able to cook for themselves. The son, who had returned from living abroad, was shocked to see the amount of rubbish that had built up in his parents' home. There was no intention to hoard, but through incapacity, the rubbish just began to accumulate to a dangerous and unacceptable level.

Mental health problems can cause hoarding

Severe clinical depression can be the root cause of hoarding, as the person is so down, they may just not see the point of tidying up. With depression, the worse the mess gets, the more down the person seems to become and a downward spiral becomes fully in place.

Although we've already mentioned obsessive compulsive disorder (OCD), in some cases, hoarding can actually be a condition in itself and is often associated with self-neglect. People in this category tend to be more likely to live alone, be unmarried or divorced, have experienced an unhappy childhood, with either a lack of material possessions or a poor relationship with other members of their family, or they may even have another family member with the hoarding condition.

Many people who hoard have strongly held beliefs related to acquiring things and often believe that if they buy something, it will make them happy. This is a form of retail therapy that has got out of control, or can be compared to someone who is clinically obese, who eats more as a source of comfort, knowing they will become more overweight and more miserable, but they don't seem to be able to control their urge to eat excessively. Hoarders may simply be people who are struggling to cope with a stressful life event, such as a bereavement, redundancy or deepening debt.

Why not just have a clear out?

For many people who hoard goods, any attempt to discard things often bring up very strong emotions that can feel overwhelming for them, so the person hoarding often puts off, or avoids making decisions about what can be thrown away.

Most things people hoard are worth very little and people without this condition wouldn't think twice about throwing them away, because they would view the accumulation of rubbish as just that. At Stevenage Skip Hire we get regular requests for a skip to help people having a serious clear out.

The person may keep the items for reasons that are not obvious to other people, such as for sentimental reasons, or feeling the objects appear beautiful or useful. Most people with a hoarding disorder have a very strong emotional attachment to the objects and other people simply don't understand this.

Hoarding can affect anyone at any age

As mentioned above, hoarding tends to be attributed to the elderly, disabled or mentally infirm, but hoarding can even start as early as a person's teenage years and gets more noticeable as they age age. It is true that for many, hoarding becomes more of a problem in older age, but the problem is usually well established by this time.

When hoarding can cost a fortune

It may sound strange, but some people hoard animals rather than the usual newspapers, magazines or other inanimate objects. This particular hoarding practice can be very costly indeed. Sometimes they rescue the animals, even though they do not have the money to properly care for them, others may spend thousands purchasing them from shops or breeders, causing themselves financial misery.

Animal hoarding is not only costly, but it can rapidly get to a stage where the property becomes unsanitary, with more waste products from the animals than the owner can readily cope with. This is clearly a health hazard for the owner, the neighbours and of course, the animals themselves.

When one considers the cost of buying, feeding, insuring and caring for one pet, imagine the astronomical cost of trying to care for dozens or even more.

Electronic data hoarding

Now this form of hoarding has been more of a recent development. The hoarding of data has become quite a problem for some people and this can cause them to end up as victims or online fraud, sometimes costing them a sizeable sum of money. Data hoarding is where someone stores large amounts of electronic data and emails and they are extremely reluctant to delete them.

Most people spend the first few minutes of their day deleting all the spam and phishing emails and treat them as a mild annoyance. People with data hoarding tendencies are more likely to keep them. This can not only choke up the computer, making it eventually run slower, it can effectively clutter the mind of the person, as they are confronted with literally thousands of emails that are of not use to them whatsoever. A cluttered mind is not good for the overall mental health of a person.

Why hoarding disorders are such a problem

A hoarding disorder can be a problem for several reasons. It can take over the person's life, making it very difficult for them to get around their house safely. It can affect their work performance, personal hygiene and cause their relationships to suffer.

The hoarder is usually reluctant or unable to have visitors or even allow tradesmen in to carry out essential repairs, which can cause isolation and loneliness.

The clutter can pose a health risk to the person and anyone who lives in or visits their house. Excess amounts of clutter makes cleaning very difficult, this leads to unhygienic conditions and encourages rodents or insect infestations. It can also be a major fire risk too.

Help available for hoarding

If you know someone who has a hoarding disorder, try to persuade them to come with you to see their doctor, as they probably won't go on their own.

This may not be easy, as someone who hoards might not think they need help. Try to be sensitive about the issue and emphasise your concerns for their health and wellbeing.

Reassure them that nobody is going to go into their home and throw everything out. You're just going to have a talk with the doctor about their hoarding to see what can be done and what support is available to help them to begin the process of decluttering.

The doctor may be able to refer them to their local community mental health team, which might have a therapist who's familiar with issues such as OCD and hoarding.

It's not a good idea to get extra storage space or call in the council or environmental health to clear the rubbish away. This won't solve the root problem and the clutter often quickly builds up again.

How hoarding disorders are treated

It's not easy to treat a hoarding disorder, even when the person is prepared to seek help, but it can be successful.

The main treatment is cognitive behavioural therapy. The therapist will help the person to understand what makes it difficult to throw things away and the reasons why the clutter has built up.

This will be combined with practical tasks and a plan to work on. It's important the person takes responsibility for clearing the clutter from their home. The therapist will support and encourage this.

Antidepressant medicines have also been shown to help some people with hoarding disorders.

If a person is willing to seek help then they may feel more comfortable contacting a therapist themselves. They can refer themselves directly to an NHS psychological therapies service without a referral from a GP.

The goal of therapy is to improve the person's decision-making and organisational skills, help them overcome urges to save and, ultimately, clear the clutter, room by room.

The therapist won't throw anything away but will help guide and encourage the person to do so. The therapist can also help the person develop decision-making strategies, while identifying and challenging underlying beliefs that contribute to the hoarding problem.

The person gradually becomes better at throwing things away, learning that nothing bad happens when they do and becomes better at organising items they would normally insist on keeping.

At the end of treatment, the person may not have cleared all their clutter, but they will have gained a better understanding of their problem. They will have a plan to help them continue to build on their successes and avoid slipping back into their old ways.

When clutter has built up to dangerous or unacceptable levels, a quick trip to the local dump may not be enough. A skip or even multiple skips may be required to take the rubbish away. Stevenage Skip Hire would be happy to provide a quote if you need a skip. Using the information above, remember that there is help available with hoarding behaviour and although it may take a while, decluttering a person's life will save them money and be beneficial for their overall health and mental wellbeing.

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Further Information

If you would like to know more or are interested in a quote we would be happy to help. Phone us on 0800 169 8588, email us at info@stevenageskiphire.co.uk or fill in our enquiry form and we will be in touch as soon as possible.