Extreme clutter: His parents won't throw anything away
Posted
Sep 02 2008, 08:00 PM
by
Karen Datko
Rating:
Raymond at Money Blue Book recognized a troubling behavior during a visit with his parents: They've become compulsive hoarders. Nothing in their home gets thrown away.
"You can't walk into their apartment without immediately noticing the huge stacks of boxes and newspapers everywhere," Raymond writes. This behavior can be a problem on several levels, including financial well-being.
Let us count some of the ways:
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You have no idea what you own. You'll lose track of where you're keeping a lifetime supply of rubber bands and pens, and you'll end up buying new.
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It's difficult to manage your financial affairs. While his parents luckily still have a grip on their finances, Raymond says his mother has kept every receipt, bill and other types of documents far beyond their useful life.
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You could be creating a fire hazard. We once knew a woman -- a respected professional -- whose home had a narrow pathway from the front door to the bathroom and bedroom. Otherwise you couldn't see the floor. When a fire started in her house, the stacks of paper and other clutter went up in a big blaze.
Raymond doesn't address solutions to compulsive hoarding (for more about that, click here and here), but he offers tips about how to de-clutter and organize.
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Stop buying useless stuff. "Trust me, you're not going to use it someday," Raymond says.
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With the exception of essential items like wedding photos, baby DVDs, tax records, birth certificates and the like, if you're not planning on wearing, using or eating it in the foreseeable future, you probably don't need it. Donate, recycle or sell it, or if it's broken and useless, throw it away.
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Embrace paperless for banking and other financial transactions as a way to simplify your finances. If you can't force yourself to part with old receipts, use a scanner or digital camera to make images you can store on a disk.
Raymond also prefers to use credit cards instead of cash for all types of expenditures, a recommendation he knows won't be welcomed by everyone. He adds that "some people, due to their uncontrollable shopping habits and irresponsible use of credit, have no business even touching credit cards."