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Things
that you should keep:
- Bills
(unpaid and paid for the last year).
- Bank
account
statements (checking, saving, money market, etc.) and cancelled
checks for the last 12 months.
- Credit
card statements for the last 12 months.
- A
list of your credit cards, their numbers, and how to report them
as lost or stolen.
- Healthcare
records for you and your family.
- A
household inventory of your belongings for insurance purposes.
- Insurance
policies with records of payment dates and amounts.
- Warranties.
- Records
relating to employment.
- A
record of where your important documents are located.
- Keys
to your safe deposit box, if you have one. You should also include
a list of items that have been put in or removed from the box.
- Income
tax information, both current and past.
- Information
regarding retirement investments.
- A
copy of your will and your spouse's will.
- Property
improvement records.
- Copies
of birth certificates, marriage certificates, divorce papers,
child custody and support papers, death certificates, etc.
- Educational
and/or military records.
- Legal
documents such as Living Wills, Trusts, Durable Power of Attorney,
etc.
- A
list of names, addresses, and phone numbers of relatives to contact
in case of an emergency.
You
should toss any item that isn't needed for tax
purposes or doesn't fall into the "keepers" list cited
above, for example:
- Expired
warranties
- Grocery
receipts
- Cancelled
insurance policies
- Old
utility bills
- Old
frequent flyer statements
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