Encumbered means restricted or burdened. It's tricky to take photographs outside in the winter when you're encumbered with thick gloves and layers of coats and sweaters.

When your movements are restricted, you're encumbered. You might be physically encumbered by having too many things to carry, or your ability to speak freely can be encumbered by the people at the next table who are clearly listening in on your conversation — and laughing at you. Encumbered is used often to talk about debt; you might be encumbered by a high monthly car payment that prevents you from buying concert tickets.

Definitions of encumbered

adj loaded to excess or impeded by a heavy load

“"a summer resort... encumbered with great clapboard-and-stucco hotels"- A.J.Liebling”
“a hiker encumbered with a heavy backpack”
“an encumbered estate”
burdened, heavy-laden, loaded down
bearing a physically heavy weight or load
loaded with something that hinders motion
involved, mired
entangled or hindered as if e.g. in mire
burdened with legal or financial obligations
free of encumbrance
burdenless, unburdened
not encumbered with a physical burden or load
clear, unmortgaged
(especially of a title) free from any encumbrance or limitation that presents a question of fact or law
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