Organized Home

Do you know where your tax records are? Chances are, they're swimming in a stack of paper ... somewhere.

Rafts of paper flood into the average home each day. The mailbox discharges letters and bills and bank statements. Briefcases explode with professional journals, pay stubs and calendars. School backpacks unload children's artwork, meeting notices and sports schedules.

Paper clutter costs money, time and stress. A missing permission slip derails the entire family on the way out the door. Hide-and-seek bills lead to late payment fees. Lose the roster, and it's back to the Yellow Pages each time you need to contact the soccer car pool.

Without a plan for paper management, a household can drown in a rising tide of paper. Take back your time with these simple tips to pull the plug on paper clutter:

Easy as ABC

Efficient paper management is easy as ABC: action, basic and classic file systems. An ABC household filing system will sort paperwork at the source, allow users to find documents easily, and maintain and retrieve important papers in the future.

An ABC household filing system includes:

• Action File: a tabletop file for daily, short-term filing. Use an action file to organize bills for payment, papers that require response, and information that must be filed.
• Basic Files: a household's working file system. Kept in a file cart, cabinet or drawer, basic files hold medical insurance records, credit card statements, rent receipts and bank statements. Use basic files for routine activities like bill paying, tax files, medical information and home maintenance.
• Classic Files: archives for long-term file storage. Copies of tax returns and insurance policies, homeowners' records, medical records, and copies of legal documents belong in classic files. Use file cabinets or records boxes to protect these items for long-term storage. Note: original documents such as insurance policies, legal documents, or tax records should be stored in secure facilities such as safe deposit boxes.

Decide to decide

At the bottom of paper pile-ups is deferred decision-making. It's fun to flip through the day's mail at the kitchen table, but if it's left there to molder, it'll have to be sorted again later. Chances are, important items will go missing when the table is swept clear for dinner.

Instead, decide what to do with each piece of paper the first time you handle it. Ask, "Will this item need to be paid, answered, filed?", then drop the paper into the appropriate folder of an Action File. An immediate sort-and-stow operation heads off paper clutter at the source.

Create an Action File!

Make quick work of daily paper management with an Action File.

Using a small tabletop file, add hanging folders labeled "To Pay", "To Do", and "To File". Include separate folders for each family member, and for religious, sport or school activities.

Each day, sort and drop incoming paperwork into the appropriate file. Bills go to "To Pay", while medical insurance papers are addressed "To File". When it's time to handle weekly deskwork, you'll find it all in the Action File!

Top Tips for Paper Types

Try these ideas to manage different types of paper pile-ups in the home: