And I know it's easier said than done because I struggle with it too - but try to be kinder to yourself.
Being diagnosed autistic as an adult explained so much of my life, as did understanding mental illness and neurodiversity more. Executive dysfunction on its own can wreak havoc on your life, never mind added depression, a bunch of PTSD and cPTSD, and physical disability.. Realising that I wasn't "lazy" like I'd been told all my life, but actually legitimately struggling with a whole load of obstructive shit (that leads to such nonsense as both hoarding tendencies and OCD, as well as like you, keeps me from things I actually want to do because just getting to it is too difficult for reasons), has helped a lot towards at least trying to not be so hard on myself, though the negative voices these kinds of judgmental comments leave to knock about in your brain stay there like a live in bully that's really hard to silence (edit to clarify: because internalising it means it becomes your own voice in your head bullying you).
Which is why I hate it so much when people make them. They have no idea what the person they're judging is dealing with, and unless they're going to be there to help every day to keep on top of things, or at the very least pay for a cleaner and some therapy, they should just shut up.