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Home Filing System

posted 7 months ago in Home
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    1.
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    Sugar bee
    .twist.    October 7, 2011   Alberta, Canada

    Recently we purchased the house we're living in. However, since I've never been a homeowner before I didn't really realize how much extra paperwork was involved. It's all imortant paperwork too.

    So how do you file all your papers? Currently I'm looking into binder systems.

    Where do you keep all your important documentation?

    And, one of the most annoying things to try to find a place for: pay stubs. Where do you put em? Tell me your secrets because nothing I come up with seems like a good solution!

     
    2.
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    4,481 posts
    Honey bee
    Gerbera    August 7, 2010   NY

    @.twist.:

    We have a filing cabinet, although we need a new one badly. With folders for mortgage, house bills, purchases, taxes (pay stubs etc), health insurance, bank etc. At the end of the fiscal year I save one or two bill statements then the rest get shredded. All important document get moved out of the filing cabinet into a storage paper box.

    But all irreplaceable documents such as title and deed go into a fire safe.

     
    3.
    Member
    5,232 posts
    Bee Keeper
    amnystik    April 9, 2011   Texas

    I keep everything filed in a filing cabinet.

    Folder for

    • pay stubs
    • taxes
    • apt documents
    • appliance manuals
    • pictures (DS's school pictures)
    • each bank account with original banking "packet" and then bank statements
    • monthly bills... seperated telephone/internet, elect, etc -
    • Auto Insurance (a seperate file for each)
    • Divorce & Child Support (for DS)
    • Health Insurance
    • And anything else.

    For Statements, bills, or other multi-page documents, I unfold them, staple them at the top in the middle, and file them most recent month in front.

    I have a "basket" that everything initially goes in and then I sit down and filing periodically.. every few weeks to few months depending on schedule and such.

     
    4.
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    3,012 posts
    Sugar bee
    .twist.    October 7, 2011   Alberta, Canada

    So what you're telling me is that my filing won't do itself? Dammit. lolz. kidding.

    @Gerbera: We need to get a safe really badly. We've been meaning to get one for a while, but now that I have all this house documentation a nice big fireproof safe is a MUST!

     
    5.
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    1,093 posts
    Bumble bee
    MerryC    September 2008   WA

    We keep all critical paperwork (wills, car titles) in a fireproof safe.  We also have scans of all of our important docs (and wedding photos) on an external.hard.drive that we keep at my parents house.  For all the other paperwork like paystubs, bank statements, bills, etc. I have a filing cabinet next to my desk and just sort everything into it's own folders.  It's super easy to keep everything organized and to have to refer back to.

     
    6.
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    Honey bee
    Gerbera    August 7, 2010   NY

    @.twist.:

    Do you have BJs/Sams Club/Costco near you in Canada?

    We got ours at BJs and it was like less than $80 and it's fire and waterproof. You don't want something too big. Big enough to fit 8.5x11 but small enough to carry out in case of fire!

    My biggest tip?

    Go to online statements!!!

     
    7.
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    5,232 posts
    Bee Keeper
    amnystik    April 9, 2011   Texas

    @.twist.: lol.... yea, unfortunately not. I've tried to see if it would, but alas, no luck. lol

    We'll either be getting a fireproof safe or a safety deposit box... we haven't decided though b/c I don't really want to have to worry about losing things from a break in (God forbid) either.

    Once you have a place for everything though it's not that bad to keep up. I got behind b/c he didn't have a filing cabinet big enough.. just got a new one this weekend and I already feel SO MUCH BETTER!

     
    8.
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    3,012 posts
    Sugar bee
    .twist.    October 7, 2011   Alberta, Canada

    @Gerbera: Yep! Costco. We'll probably get it there. I guess my concern with a small safe and being able to carry it out is just that. I don't want it to be easy to carry out in case of theft! However, it'd probably go in the basement in our storage area, so it's not likely someone would look there... but it freaks me out! If I had my way I'd cement it into the basement floor!

    I get most of my statements online, it's our utilities and stuff that doesn't. DH is the one who sees and pays most of the utilities and he's not the greatest with technology. lol

     
    9.
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    Sugar bee
    .twist.    October 7, 2011   Alberta, Canada

    @amnystik: One of the girls at my office swears by her safety deposit box. She keeps her & her husbands birth certs, marriage cert & deed & title to their house in there (and probably more no doubt!). I'm going the safe route because I'm lazy.

     
    10.
    Member
    4,481 posts
    Honey bee
    Gerbera    August 7, 2010   NY

    @amnystik:

    Where did you get yours? Ours is just a simple metal one and eventually I want a wooden one that will match our office desk. But they are SO expensive.

    We have a safety deposit box as well for valuables. Eventually the new title and deed when they come will get moved to the safety deposit box.

    @.twist.:

    hahaha. It's a catch 22 because YOU want to be able to carry it out in case of fire but then it does make it easier for others to carry it out in case of theft as well. Good hiding spot is a must. :)

     
    11.
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    Bee Keeper
    amnystik    April 9, 2011   Texas

    @.twist.: lol

    @Gerbera: I acutally just got one at office depot b/c it was on-sale. Prior to this weekend I only had small "decor" type file boxes so this fit MUCH better! I've thought about going to online statements, but since I'm in bookkeeping and considered "self-employed" I feel better about having them on hand. Especially after dealing with banks trying to "retrieve" old statements.... it's SUCH a pain. lol

    I think if we had  safe I'd probably keep it downstairs... I know I wouldn't want to loose anything, but at the same time I'd rather a theif just grab it and go than come upstairs where we're sleeping to look for stuff! EEK!

     
    12.
    Member
    509 posts
    Busy bee
    irin997    June 18, 2011   Maryland

    Just curious but if the safe is fire proof why are you carrying it out in the event of a fire?  Doesn't that defeat the purpose?  

    DH and I seriously need to do something with our filing. 

     
    13.
    Member
    3,012 posts
    Sugar bee
    .twist.    October 7, 2011   Alberta, Canada

    @irin997: Some safes are not fire proof and I think the one in question is of that variety....but I could be wrong.

    I definitely wouldn't drag something fireproof out of a burning building.

     
    14.
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    55 posts
    Worker bee
    lucy1110    June 18, 2011  

    Fire-proof safes are only rated to last a certain amount of time at a given temperature.  Most last 30 minutes, 1 hour, or 2 hours.  That means that if your house starts on fire the contents of the safe will be destroyed unless the fire burning the portion of the house that the safe is in is put out within the time limit your safe is rated for.

     
    15.
    Member
    3,012 posts
    Sugar bee
    .twist.    October 7, 2011   Alberta, Canada

    @lucy1110: woah! Good to know, thanks for the info!!!

     
    16.
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    2,541 posts
    Sugar bee
    piglet_625    January 1, 1991  

    Right now I use a plastic document box that holds hanging file folders.  I have one for everything - each car, insurance, health records, loans, credit cards, appliance receipts/warrantys, and then one for each bill we pay.

    We need a fire safe too because right now all our important documents are in there too.  I also need to get a shredder... pretty badly.  I won't throw away anything people could tamper with (like credit card offers, subscriptions, bills that get paid online, etc), so I have a "to shred" pile that's taking over. :/

     

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