Today everyone uses a very wide range of financial services, which results in the accumulation of bales of documents at home.Receipts for payment of utilities, as a rule, are mixed with the warranty card, checks on goods purchased fall between the pages of contracts, insurance policies are lost at the right time among the mass of other papers ... endless stream of documents, and to navigate it, we need the right approachtheir ordering and accounting.
Our recommendations will help you understand how to properly store your private financial records.
primarily be drawn from all corners of the boxes and the house accumulated documents and carry out their inventory.During the primary sorting waste paper to recover straight to the ballot box, and the documents to be more careful scrutiny, are set aside.
second stage involves the separation of documents to be stored by category: financial instruments - in one pile, utility bills - to another, warranty cards with checks - in the third, etc.A breakdown b
order selected documents are not mixed up again, just lay them in separate files and remove the prepared folder.Then to easily navigate, use folders of different colors, marking them further identifying inscription: "Loan Agreement", "Utility bills," "insurance policies", etc.
In the third stage lay the documents in each folder by date - oldest to newest.For documents you can use grouping comfortable plastic dividers in different colors.Keep a folder with the documents is best in a cabinet with doors - away from small children, and less dust.
fourth stage requires a technical approach.Have the PC will allow you to get rid of the weight of paper documents by converting them into electronic form.If some of the services you pay over the Internet - it's even more convenient.In this case, you can send in the trash, paper bills, and electronic copies of the proof of payment of the services archive on disk or flash drive.
Obsolete documents, having been overtaken only confuse your archive.So, about once a quarter is to hold a serious inventory of folders with documents.If you have entered into with the bank deposit contract on new terms, the old document can be safely discarded.Do not also "collect" cards expired.
special approach during storage require the most important documents - the certificate of registration of property rights, contract of sale of property, promissory notes, passports, marriage certificates, etc.It is best to put them in a safe deposit box office - is an inexpensive option, just for storing A4 documents.In the safe, your documents are safe and sound, are protected from outsiders.
If you set the home safe is not possible, then to store most of the securities can be rented deposit box.After signing the lease with the bank will need to pay a deposit for the key agreement and pay a monthly subscription fee.In addition, often require regular access to important documents.In this case, to not constantly running to the bank with which you can make copies to be kept at home in thematic folders.
These simple tips will help minimize the amount of paper and bring home paperwork in order - to simplify your life and save a lot of time.