By Stacy DeBroff 

Some Tips for Getting Started:

~ Only pay bills once or twice a month. Call your creditors and request
change the due date for your bills so all at same time.

~ For household warranties: put all the instruction booklets, receipts,
papers, and small tools for a new purchase in pocket folders in three-ring
binders so you can find what you need in a minute. On the outside of the
folder, jot down the serial and model numbers, as well as when the
warranties expire.

~ Start a home filing system, with separate files for each account in a
category, staggering the tabs so you can easily see the files.

~ Have a basket for "To be Filed" things, and clean it out once a month.

~ Make a list of all your important accounts and documents and where they
can be found:
* Safe deposit box location and contents
* Bank accounts and contact information
* Investment information

~ If a folder becomes too bulky, break it down into more specific files.

~ When filing paper into your hanging folders, check them for dated material
to throw away. Keep a trash can and recycling can nearby when you go through
your files, and remove outdated items.

~ Staple related papers together instead of using paperclips, which can fall
off or attach themselves to other documents.


FILING SYSTEM CATEGORIES
~ Financial
* Banking
* Copy of all cards in wallet
* Credit card information
* Investment information
* Retirement

~ Insurance
* Copy of household inventory
* Life, car, home, renter’s, and health policies
* Property inventory

~ Job
* Benefits
* Contract
* Resume
* Work records

~ Taxes
* Charitable Donations
* Copies of previous years’ tax documents and receipts

 

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