how long do i need to keep this - a guide to receipts, statements and financial

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·shred after reconciling with your w-2 or 1099 (us) or t4 (canada)
·medical expenses
·reconcile with your statement to ensure that charges and payments have been properly processed
·mortgage interest
year end statements from credit cards (if provided)
keep indefinitely
telephone/utility bills
w-2 or 1099 forms (us)


keep for 7-10 years
·if for major purchase with warranty, staple to the owner’s manual and file for the term of the warranty


auto/home/life insurance policy information

·if for major purchase without warranty,louboutin pas cher, keep receipt if item replacement cost is higher than the deductible on your homeowner’s insurance policy


brokerage/mutual fund statements (monthly/quarterly)


·enter into your chequebook or computer software to ensure that you are accounting for all your purchases
·donations






·retirement account contributions
cash purchase receipts

·keep in file until monthly statement received


credit reports

annual mortgage statements
·reconcile with your annual statement
·property tax payments
·if for minor purchase without warranty, shred
·reconcile with your annual statement

supporting documentation (cancelled cheques/receipts/statements) for tax returns including but not limited to:


·if for minor purchase without warranty,franklin marshall pas cher, shred


automobile records (ownership certificate/registration)
·alimony/child support paid or received

adoption records
·if for major purchase without warranty, keep receipt if item replacement cost is higher than the deductible on your homeowner’s insurance policy

any t4 forms – including t4e,louboutin,how are sales like jump-starting your car  article, etc. (canada)


·if for major purchase with warranty,jordan pas cher,repair database that has been placed in an unexpec, staple receipt to the owner’s manual and file for the term of the warranty
in most homes, paper causes clutter. and it seems to mysteriously multiply by itself. but just how long do you need to keep all those receipts,beautify myspace with flash banner article - computer articles,tory burch, bank and credit card statements and other financial papers? below is a handy reference that you can use for dealing with your home paper trail.
credit card monthly statements

toss after one calendar year
·requesting this file annually helps to prevent identity theft, so you can see who has requested the report and for what purpose
·if for minor purchase without warranty, shred


·you should request your credit report annually to ensure that all information is accurate and up-to-date,polo ralph lauren pas cher, especially with regard to accounts you have closed in the course of the year



monthly mortgage statements
·child care receipts


pay stubs

bank/financial institution monthly statements (unless needed for home business)
toss after one month
·if for major purchase with warranty,polo ralph lauren, staple to the owner’s manual and file for the term of the warranty
·if for major purchase without warranty,casque dr dre, keep receipt if item replacement cost is higher than the deductible on your homeowner’s insurance policy

credit card receipts
·keep in a file folder until monthly statement received




year end statements from utility companies (if provided)

atm and bank deposit/withdrawal slips







·reconcile with your statement to ensure charges and payments have been properly processed
·keep for as
·keep purchase records for as long as policy is in force