Before I say that I recommend something else, contact your accountant and lawyer, to know what financial documents that you need to keep and for how long.
I have many people who are my system for the classification of documents at the time of the budget. I recommend this system reduces the amount of time spent on the bureaucracy than 50%. This system consists of two phases:
STAGE 1
The first phase focuses on your active participation bureaucracy. This is the bureaucracy that you have to do something with other file systems, which simply & 39;& 39;s going on. It is always active. For the active bureaucracy, I suggest & 39, a sort of literature or the wall pockets. You only need a quick movement to put the paper on & 39;. Stay in the literature sorter & 39; position that should be in the development in the post and submitted. Two types of storage compartment of your literary needs sorting designation & quot; " Paid To Be and To Be Filed " ".
STAGE 2
The second step, you can deal with the bureaucracy when it is inactive. C & 39; is that you have finished, the & 39, for the moment, and you simply filing for a later use. It is now inactive. At that time, I recommend 12 hanging files from January to December. Each file item in months, it is dated.
Here are some tips for dealing with certain types of financial documents
Monthly check account statements: When you receive your bank statement checks in the mail, sorting them in the cubby in the literature & labeled Success; To Be Paid. & Quot; In this way, if you are ready to pay your bills and the balance of consequences, see your bank statement with your bills. They
After the consequences, are you prepared your statement by the & 39; other paperwork has become inactive. Features of the month. When reviewing your bank statement for the month of January was 8th To 8 February, it was submitted, in the January, as it is in January of the statement.
When clean your files every year, I propose to contact your bank and ask the following questions:
* How long will the bank a record of your statements?
* How it is in your statement information should you ever need?
* Is it easy d & 39; receive a copy of your bank statement, you need anyway?
Find if it would be easier, d & 39; obtained by the statement from your bank or go online. Would it be easier to dig through all the old documents to find your own copy? Sometimes it is. In rare cases, you must use the old declarations, it may be more practical to pay 75 cents for a copy of the bank for the storage of itself.
Also, it can practically be that the business of the bank for you, as your valuable space in your home, what you need for a certain amount of & 39; real money for square metre & l; 39; purchase, heat, light, control and clean. If c & 39; is the case, then your account cheques to rip when your statements clean your files at the end of each year. If they are not l & 39; is not your old memory to verify the statements in your bathroom space. Keep them for seven years.
Savings monthly bill: When you receive your bank statement d & 39; savings account at the post office, in the literature in the sorting cubby labeled & quot; To Be Filed. & Quot; If your & quot; To Be Filed & quot; cubby is full, transfer your files from January to December marked after the date of the statement.
When clean your files & 39; end of the year, I propose to you, ask your bank, the same questions mentioned above. Ask for what circumstances, you still need your old account passbooks Declaration & 39; information? In most cases, the account statement d & 39; savings has already achieved the goal, d & 39; by the end of the & 39; year. They have not really need & 39; depend on your savings account d & 39; longer than the statements. D chiquetez or save your results for explanations after the conversation with your bank.
Monthly credit card statements: If your account statement received credit card by mail, in the literature in the sorting cubby labeled & quot; To Be Paid & quot;.
After agree on your tax return and your payment, you are ready to make your statement of copyrighted l & 39; other paperwork has become inactive. Again, each a month.
When clean your files & 39; end of the year, I propose to you that contact with the bank to the credit card through and make them the same questions. Take the same measures as above.
Credit Recipe Card: The first time that you receive receive credit card, put it in the literature, in the sorting cubby labeled & quot; To Be Paid. & Quot; If you are prepared to talk, your credit card account statement, take your credit card must be received Then brocher draft establishing & 39; credit card, which they belong.
After your explanation agree, you can store the files, which in monthly with your other documents inactive. Keep up with your & 39; that you are ready to rip.
Debit Card recipes: Hold receive debit card system the same thing that you obtained with the credit card, only to be used for the reconciliation of your account cheques. Brocher store and in the statement.
Good chance implementing these simple steps. You see a big improvement in the savings of time and reducing the clipboard into your files. It & 39;& 39;s a great feeling! sharla melodee
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