How to store personal documents?
Today, everyone uses a very wide range of financial services, which results in the accumulation of documents at home. Receipts for payment of utilities, as a rule, are mixed with warranty cards, checks for purchased goods fall between the pages of contracts, insurance policies are lost at the right time among the mass of other papers ... The flow of documents is endless, and to navigate it, you need the right approach to their systematization and accounting.
Our recommendations will help you figure out how to properly store personal financial documents.
First of all, it is necessary to extract the accumulated documents from all the boxes and back streets of the house and carry out their inventory. In the process of primary sorting, we send unnecessary papers straight to the ballot box, and we postpone the documents that are subject to more thorough examination.
The second stage provides for the separation of documents to be stored, by category: financial documents - in one pile, utility bills - into another, warranty cards with checks - into the third, etc.The breakdown of documents into groups will make it easier for you in the future to find the papers you need.
In order for the selected documents not to be mixed again, we immediately decompose them into separate files and remove them into the prepared folders. To make it easier to navigate later, use folders of different colors, additionally marking them with an identifying inscription: “Credit agreements”, “Utility bills”, “Insurance policies”, etc.
In the third stage, arrange the documents in each of the folders by date - from old to new. For grouping documents, you can use convenient plastic dividers of different colors. It is best to keep document folders in a closet with doors - away from small children, and less dust.
The fourth stage requires a technical approach. The presence of a PC will allow you to get rid of the mass of paper documents by transferring them into electronic form. If you pay for some types of services via the Internet, it is even more convenient. In this case, you can send paper bills to the garbage, and archive electronic copies of payment confirmations on a flash drive or disk.
Outdated documents that have lost their relevance only confuse your archive.Therefore, about once a quarter it is worth conducting a serious inventory of folders with documents. If you have entered into a deposit agreement with the bank under the new conditions, you can safely discard the old document. Nor should it "collect" expired plastic cards.
The most important documents require a special approach to storage - certificates of registration of property rights, purchase and sale agreements for property, promissory notes, foreign passports, marriage certificates, etc. It is best to put them in an office safe - this is an inexpensive option, just designed for storing A4 documents. In the safe, your documents will be safe and sound, protected from outsiders.
If you install a safe at home is not possible, then to store the most securities, you can rent a bank cell. After signing the lease agreement with the bank, you will need to make a deposit for the key, as well as pay a monthly subscription. In addition, regular access to important documents is often required. In this case, in order not to constantly run to the bank, you can make copies of them, which will be stored at home in thematic folders.
These simple tips will help to minimize the amount of paper and put your home workflow in order - it will simplify your life and save a lot of time.