File Organization

In this week’s challenge we’ll tackle how to organize files in your home so you can find the paper and documents you need, when you need them, without having to spend all your time filing.

File Organization

file organization

This challenge is really a culmination of several week’s worth of work you’ve already done, if you’ve been following along with the past several challenges.

That is because creating a home filing system all at once can be a bit daunting, so I broke down the process over a couple of week period.

First, we organized how we dealt with and processed much of the incoming paper into our homes, with our home mail organizer center. Next, we dealt with organizing the paperwork that goes out most frequently in our homes, organizing and paying bills. Then, lastly, we worked on organizing one type of document that was needed each year, tax documents.

Are you new here? The Organize Files Challenge is part of the 52 Week Home Organization Challenge. (Click the link to learn how to join us for free for future and past challenges if you aren’t already a regular reader).

Now, we’ll put all those previous actions in their place, and finish off a large majority of the paper organization, by creating a home filing system that saves additional documents you may need to reference over the years for your home to function smoothly.

Here are the steps to take:

Step 1: Choose A Place And Storage Solution To Store Your Home’s Files

The first step in the Organize Files Challenge may seem like an obvious one, but it is very important, since it is to choose a place and storage solution to store your home’s files.

I made the mistake for several years of my adult life not really having a place to file and keep papers in my home. That resulted in lots of lost paperwork, and scrambles to find important documents when we needed them.

Every home, no matter how small in size or number of family members needs a place to hold and file paperwork. This can be a file drawer or cabinet, a rolling filing basket, or a cardboard bankers box.

It should ideally be at least two file drawers in size, or an equivalent based on the storage solution you choose. That may seem large to you (or small, depending on how much paper you have), but giving your paper enough space is important. You can choose a file cabinet that looks like one you’d find in an office, or they have file cabinets for your home which look more like nice pieces of furniture.

Make room for as much filing space as you need, because if you don’t have enough filing space you’ll delay filing things, because shoving one more thing into the space just really isn’t possible.

You can choose to have your files located wherever you want in your home, but ideally it will be close to your mail center, and to where you pay your bills and otherwise do your paperwork, such as in your home office or kitchen.

You don’t have to get a fire resistant filing cabinet, but you may want to consider it if you’ve got paperwork that cannot easily be replaced. (Or, you could choose to store such documents in a safe deposit box.)

Step 2: Create Your Home Filing System And Organize Files

There is no way to tell you exactly how to create and organize files for your home, since your filing system will be unique to your family.

However, some typical home file categories to consider making files for include:

  • Medical file for each family member
  • Home maintenance file, with receipts of major expenditures
  • Real estate documents
  • Insurance policies (create a file for each one, and label each year’s policy separately, to know what years you were covered with what policies)
  • Automobile documents (separate file for each car)
  • Credit card documents (this is different than the file for credit card bills, and should contain the agreement, privacy policies, etc. that you get in the mail) (one file for each card)
  • Banking records (one file for each account at each bank)
  • Loan documents (one file for each loan)
  • Investment records (one file for each investment, 401(k), IRA, etc.
  • Vital documents (such as birth and marriage certificates, will, etc.)*
  • Personal home inventory (another copy should be kept outside the house too)
  • Tax documents (instructions for organizing these found in the personal home organizer and receipt organization challenge)
  • Monthly bills and receipts (instructions for organizing these found in theĀ organize bills challenge)
  • Warranties and manuals (more information on organizing warranties and manuals here)

* Vital documents may also be stored in a safe deposit box at a bank, instead, if you wish. Seriously consider this if you don’t, at least, have a fire resistant file cabinet or storage system for these papers.

Once you’ve created your file folders, go ahead and organize files for each of the categories, adding things as you go.

If you’ve been working on your filing system from the very beginning of keeping your home, what I’ve just told you to do doesn’t sound too overwhelming. However, if you’ve got papers all over your home and never had a home filing system before, what I just said about how to organize files will seem like an almost impossible task.

Trust me, I’ve been there. The first thing to do is set up the system, and begin using it today. Over the next couple of weeks sit down with a shredder and go through your papers, putting them into the correct files or shredding them if you no longer need them.

It will take a while, but a little at a time while listening to the radio or watching a movie on your computer will get the job done and then you’ll just have to deal with papers as they come in, not huge stacks ever again!

Step 3: Purge Some Of Your Files Annually To Keep Paper Clutter From Taking Over

The last step in the Organize File Challenge is to have a good look at your files annually, and decide what can get tossed, so you don’t start getting too much paper accumulated over time.

Honestly, much of the paperwork that is unique to this challenge, like investment documents or medical records, and vital documents, all need to be kept long term so you won’t actually be purging them often, if at all.

However, there are less of these documents typically then the kind you can throw away in reasonable intervals, like your utility bills and grocery receipts, for example. I’ve given instructions for a “retention schedule” for those types of documents, and when to trash them, in previous challenges on paperwork mentioned above.

As long as you purge these types of documents when you can you won’t find yourself running out of filing space too quickly.

 

Thank you for joining for week 13 or the 52 week home organization challenge! I hope you’ve found it useful, and I hope you join me again next week!
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