While many people are out toasting the new 12 months on January 1st, I’m usually sorting all my statements – bank, credit card, car payments/insurance, etc. – that I’ve gathered for the entire year. I shred/toss out everything dated January – November and organize the others by categories. It’s been a tradition of mine since I started working. Now that my husband and I are homeowners, it has been a bit more challenging to get around. Let’s remember to locate all the documents you will need to apply for the upcoming taxes season. Either way, it has always been helpful for me to start with a clean slate, calendar year and then arranged goals for the new calendar year to think about the prior.

This is so important to do now especially in this slow economy. I make an effort to live by the motto “less is more” as it pertains to paper storage space. THEREFORE I thought that I’d talk about some tips I’ve created and discovered that may help you when you deal with your statements. 1. If you’re comfortable going paperless after LOTS of thought, take action.

However, just like paper statements, email messages require maintenance as well. Remember to organize and then purge old/outdated information each year. You may also want to print year-end documents as a back up plan in case that “mysterious computer crash” occurs. 2. If you wish to organize and document your important documents but don’t possess a file cabinet, an expandable file briefcase is ideal for storage space, and categorizing them. I’m submitting paper away 🙂 You can label them according to the document system that works for you. 3. Generally you should keep 5 years well worth of bank claims on hand. Personally, I keep 5 years plus the current calendar year and toss out everything else.

Additionally, if I have bank accounts I’ve shut, I keep the last statement for 5 years as well. Having proved helpful in banking, I know you can pay more for a duplicate declaration than the price of the paper it’s published on. 4. If at all possible, have one general location for all your business/financial mail. I’ve already completed my hard type. Come and join me on. You’ll feel great afterwards that martini you postponed will be well earned!

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As of November 29, 2013 All Classic Books will be available. Don’t hold your breath, folks. Most of our authors are doing their publication buyouts except for a few that are misleading or baffled by some erroneous false information they find out about it. Again, there is no such thing as a “transfer agent.” Nunn just wants to wring whatever money she can from the plan before she folds it.

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