Most people would rather have a root canal than organize their paper. I have yet to find anyone who likes to organize their paper clutter.

Bills, documents, notes on old legal pads, mysterious receipts, birthday cards from people you do and don’t remember, even something pleasurable such as photos of your family can feel like an insurmountable chore to organize.

Plowing through piles or bins of paper is different from other types of organizing. It requires a whole different set of decisions and brain skills and unlike organizing 3-dimensional objects such as your clothes or dishes, paper is often fraught with all kinds of meaning – most typically fear and anxiety and to a lesser degree, sentiment and confusion.

Paper doesn’t have the same qualities that other objects have in our lives. It’s not pretty or shiny or useful, except in its blank (note pads) or decorative (wrapping paper) form.  Organizing paper won’t make it more possible for you to entertain, unless it’s covering your dining room table.

Face it, for most people, organizing paper is boring.

Complicating the process is age. The older we get, the harder it is to focus on the task of organizing paper.  It takes all kinds of executive functioning skills that get harder as we age. It’s more than just a matter of know what to keep and what to toss.

The moment we look at our paper piles, our brains become Scarlett O’Hara from Gone with the Wind.  “I can’t think about it now. I’ll think about it tomorrow.”

Paper organizing requires careful review. You can look at a piece of clothing and know it’s a piece of clothing. With paper you have to study it. Is it a bill? A statement? An insurance policy? Is it something important? Do I need to act on it? Will I need it later?

With paper, you are already exhausted by the time you figure out what it is.

It’s no wonder that even in the age of going “paperless” we still have so much paper.

During my career as a professional organizer, move manager and now organizer coach, I have encountered virtually every type of paper and document that exists.  I have also written extensively on the process of organizing your paper. But it doesn’t matter how well its sorted into tidy little piles. If you don’t or can’t make a decision about it, it probably won’t get put away.

Here’s the good news about paper organizing.

In most cases, if you never organize your paper, nothing really bad will happen. The sky won’t fall. You won’t go to jail. Your children won’t be hurt. You won’t get sick, at least not from the paper. Will it cost you? Maybe, if you forget to pay a bill, or don’t do your taxes or forget your daughter’s birthday (God forbid!). Even if you forget to pay your electricity bill, don’t worry, you’ll get another reminder, and another.

Would it be inconvenient or possibly stressful to forget to pay your electricity bill? Yes, but it’s not life threatening unless you are on life support and if so, organizing your paper is not going to be top of mind.

The worst part about paper clutter is that it’s often a reflection of our state of mind  The more clutter, the more we realize we’re feeling confused, overwhelmed or neglectful. This creates more anxiety and confusion and the cycle repeats.

It’s better to have a system for managing your mail, paying your bills, filing important documents or knowing what you should shred to protect your identity. These are all habits and elements of life that make us feel calmer, lighter and in control of our lives. But if you don’t already have these habits, and are not inclined to learn them now, you can still feel less stressed about your paper clutter.

Here are some ways you can manage your guilt or alleviate your anxiety about your paper piles.

1. You know all those saved letters and greeting cards you’ve kept over the years? You’re not likely to ever look at them unless you’re moving or downsizing your home and probably not even then.  If you never look at them again, it’s not a problem. Your adult children will have to at some point but that’s another story.
2. If you overlook a bill, you’ll get another. Don’t sweat it.
3. You don’t have to support every charity that keeps mailing you solicitations for donations. This is true especially if you have a limited income.  Seniors are their favorite customers since they count on you forgetting that you donated last month or last year. When you get them in the mail, toss them.
4. If you feel strongly about supporting your favorite charity allocate no more than 1% of your total income and divide that up between your five favorite charities.  Let’s say you earn $75,000 a year. 75,000 x 1% = 750. 750/5=150. Donate no more than $150 to your favorite charities.
5. If you didn’t order something from that catalog when you got it, you probably won’t. Recycle it.
6. Keep your family photos. Even if you never look at them.  They don’t take up that much space.
7. If you have more than a grocery bags worth of documents to be shredded, take them to be shredded. It’s not worth your time to do it yourself.
8. Stop ripping up envelopes with your name and address – unless doing so gives you satisfaction. Your name and address are public information. An identity thief can’t hurt you with just your name and address.
9. If you see your complete social security number on anything, shred it!

10. Keep a bin near where you open your mail. That way all the junk can get tossed right away.

11. Empty your mailbox daily. A stuffed mailbox is a sign that something is wrong in your home.
12. The IRS will never call you. Open anything that comes from them.
13. Stop saving investment statements. They are obsolete from the moment you get them.
14. If you can easily find it in your email or online, you don’t need to keep the paper copy.
15. If you have more than 1 or 2 boxes of unsorted paper that you have not looked at in more than six months, you probably won’t.
16. There is an 80 percent chance that anything you file you will never look at again.
17. If you want to find something really important, chances are you can request a copy, unless of course it’s a love letter or your 6^th grade report card.
18. Don’t spend your retirement years going through your files unless you really want to.
19. If you have paper on nearly every surface in your home, including floors, near your stove or on your bed, then it’s time to call in a professional, for your safety.
20. If you have any reason to believe you’ve been a victim of fraud or if you suspect someone has access to your credit information without your consent, contact all three credit reporting agencies immediately and submit a fraud alert.

Experian:1-888-397-3742

Equifax: 1-866-640-2273

Transunion: 1-800-813-5604

Have an organizing question or need help getting organized to move or want to schedule a coaching session? Schedule a free, no obligation phone chat with me using this link. https://calendly.com/lisbethmckinley/30min

This year, why not give your Mom what she really wants for Mother’s day.

More time to spend with her family, and less time to feel overwhelmed by her clutter, especially all that paper!

Here’s what you can do:  Suggest to Mom that you’d like to give her the gift of organization so she can feel more in control of her life and less stressed by all the paper clutter in her home.  You can help her yourself or better yet, hire a Certified Professional Organizer, who can quickly identify and sort all it all.  Once sorted, you can purge what’s no longer needed and contain what’s left either in labeled paper or digital files according to your mother’s preference and ability.

If you decide to do this yourself, make it a time not just to plow through those piles but also to share the memories with Mom.  Whatever you do though, don’t chastise Mom for keeping everything. No one was born with an “organizing gene” and the rules around paper have changed considerably since she was young, especially now that we are in a digital age though she may not be.

Most of what we keep, as much as 80% according to several studies, we never refer to again. Old bills, especially utility bills, make up the bulk of what I’ve seen the most of when helping my clients tame their paper piles.

I’ve seen floors literally buckle under the weight of boxes upon boxes of retained paper.

Even if all the paper in these boxes were accidentally tossed the chances of needing anything in them is statistically small. That being said, there is always a chance that those boxes contain confidential information so to protect your Mom’s identity I recommend you arrange to have it picked up by a residential document destruction company in your area.

Shredding these papers protects your Mom from others using her confidential information fraudulently.  If you chose to to this yourself, be especially mindful when you are tossing documents containing the following:

• Social Security Number (in full)
• Credit Card Account Number (in full)
• Driver’s License Number (in full)
• Medical Record Number (in full)
• Account Number (in full)

In recent years the practice of including full account numbers has changed to protect individual identities but that has not always been the case. If your Mom has kept documents for more than 10-15 years, it’s possible some contain this type of confidential information.  Note however, documents that contain just a name, address and phone number are part of public record (remember old phone books?) and nothing can be done with this information alone so it’s safe to recycle these.

To get started, you will need a cardboard or plastic box labeled “SHRED”  to contain documents for destruction. You will also need a supply of paper bags or boxes labeled “RECYCLE”  and a smaller receptacle for “TRASH” such as the plastic that contains magazines and other junk mail.  Lastly, you will also need a work surface. If table space is scarce, use a folding table or large ironing board if available. Use a “sharpie” for labeling if needed.

These record retention and destruction recommendations are general best practices and not intended to replace the advice for you or your Mother’s specific situation, especially if she is ill, disabled, or in dispute with the IRS.  In these cases, consult with your tax preparer or another legal professional.

SORT

To get you started, start with whatever loose paper is most visible on surfaces, tables, desks or the floor. Open all mail and sort all items, including individual files and documents into the following 5 categories:

1. Financial
2. Medical
3. Legal
4. Home
5. Personal

Financial includes: old and unpaid bills, store receipts paid in cash (if you are tracking your mother’s cash expenditures), bank statements, investment statements, tax returns, pension documents, social security information

Medical includes: Medical history, prescription records, explanations of benefits, prescription receipts,  and health insurance and/or Medicare documents specific to your Mom

Legal includes: Life insurance policies, veteran records, estate planning documents such as wills, trusts, power of attorney, health proxies or living wills, birth, adoption, marriage and death certificates

Home includes: Property insurance records such as home and auto, mortgage records including records of satisfied mortgages, appliance warrenties

Personal includes: Educational and work history, cards, letters and other correspondence, general reference such as “project” or “idea” files.  Binders that contain old training material, photographs,  professional or published papers written or contributed to by your Mom and anything of a personal nature that could not be replaced if lost.

PURGE

As you do this you can toss the following: empty mailing envelopes, obvious junk mail, expired coupons, store receipts paid by by credit or debit card and old user guides or warranty information for products or appliances no longer owned.  Keeping a focus on sorting will make purging later go that much faster.

Next purge (shred or recycle) the following from each of the five piles:

• Financial: Old paid bills, store receipts for low value items, checks from closed accounts, investment statements except current month or quarter, tax returns from more than seven years ago. ATM receipts – unless tracking cash withdrawals
• Medical: Outdated medical information, explanations of benefits, receipts for prescriptions paid by insurance, any documents not specific to your Mom such as marketing and general information
• Legal: Cancelled life insurance policies, cancelled or expired contracts
• Home: Cancelled insurance policies, repair records for cars no longer owned, mortgage bills already paid, any reference material not referred to in over a year or that can easily be found elsewhere or online. Anything printed off the internet.
• Personal: Any personal reference material that has not been referred to in over a year (such as old recipes, remodel ideas, maps, wellness or hobby information, old magazines, binders containing old training material, greeting cards signed by unknown people, out-dated resumes, any document that can be easily found online.  Children’s school records and drawings if not displayed. Take a digital photo instead. Personal papers such as these will most likely take up the bulk of your Mom’s paper files.

KEEP and CONTAIN (either file or scan)  

Use this as a guide for setting up your paper or or electronic file system

FINANCIAL RECORDS

• Tax returns and current tax information including receipts used for deductions for future tax returns
• Bank statements and investment statements by account name and last 4 digits of account number – most recent three months unless your Mom will be applying for assistance under Medicaid or MediCal. In this case she will need the last 5 years of bank statements.
• Credit card statements by account name and last 4 digits of account number – last three months only
• Life insurance by policy name – keep while active
• Social security account information
• Pension documents

MEDICAL RECORDS

• Records of health history, prescriptions taken and major conditions
• Lists of physicians, specialists and other providers seen or consulted with
• Insurance/Medicare/MediCaid account information

LEGAL RECORDS

• Estate planning documents (birth, adoption, marriage, death certificates)
• Heath proxies, power of attorney documents
• Veteran records
• Records of satisfied contracts or any current contracts

HOME RECORDS

• Mortgage documents for current home
• Records of recently paid household bills (less than one year) – if possible, set up auto pay and have bills issued paperlessly via email.
• Records of property insurance (home, auto, other assets)
• Warranties, appraisals or certificates for high value items (value greater than $100 per pound)

PERSONAL RECORDS

• School transcripts/Official records such as diplomas
• Records of work history (most current)
• Cards, letters and other correspondence if it has historical or resale value (emotional value is optional)
• Professional, written or published work if it has historic importance to the general public or a particular industry for archiving purposes
• Anything that could not be easily replaced with strong emotional value

TO-DO or ACTION Paper

Finally, identify any documents that require some kind of ACTION or to-dos that your mother feels are worth her time such as bills to be paid, forms to be filled out, greeting cards to be mailed, or items she wants to discuss with another professional. Put these items in a separate mail sorter on her desk or workspace, keeping the bills separate from everything else. Don’t put anything here that needs to be filed or contained. Any retained magazines should be placed where your Mom likes to read them.  Once she is done with these items they can be filed, contained or tossed as needed.

After you spend a few hours helping her, then take her out for lunch or dinner so you can both relax and enjoy some quality time together, knowing that you’ve made some room in your lives for what matters most.

Editor’s Note: This is an introduction to the system I created to help people who struggle with too much paper. 

Believe it or not, there are only three kinds of paper.

It doesn’t matter if it’s your first novel, your 2009 taxes or a bubble gum wrapper. The key to organizing paper is to remember these three types and know the difference between them. They are:

Paper you Act on

Paper you Contain

Paper you Toss.

Most people get stuck in paper clutter for three reasons.

1. They don’t have a system for organizing and managing it
2. They are afraid of accidentally tossing something important so they hold on to it “just in case.”
3. They hold on to it with the intention of doing something with it “someday” but never do.

Unless you take some kind of comfort from having a lot of paper around you, I’m going to assume you would prefer to have less.

The ACT system is actually quite simple. It just takes a little practice. The key to it is remembering that the goal of the system is to minimize the amount of paper you actually keep. If that’s not your goal, then consider what value all that paper has in your life now?

The ACT system is an acronym for Action, Contain, Toss.

Paper you act on is either a task or a project that’s worth your time to complete.

Paper you contain will likely be referred to again, or you are required to keep. (Everything else is optional!)

Paper that has no value to you should be tossed or safely disposed of.

Here’s how to use the ACT system to organize your paper:

For every piece of paper that comes across your desk, whether it be a business card, a magazine, a contract, a pad of paper, an invitation, notes to yourself, etc., you should ask yourself these three questions in successive order:

1. Is there an IMPORTANT Action I need to take with this piece of paper that is worth my time? (Reading and filing don’t count.)  If your answer is no, then before you toss it, ask the next question:

2. Is it LIKELY I will need to refer back to this piece of paper again and would it be difficult to find it elsewhere? If yes keep and Contain it. Otherwise, go on to the next question:

3. Does it display any personal or confidential information that I would not want others to see? If not, then you can Toss it.  Otherwise shred it.

The key to taming your paper monster is making the ACT system a regular habit.

• Spend a few minutes each week sorting your incoming paper, mail and other documents according to the ACT system
• Take action on those tasks and projects that you decide are worth your time
• Contain only what you are likely to refer to again and can’t find elsewhere
• Minimize the amount of paper you keep – what may have been important last year may not be now. It’s okay to let it go.
• Maximize the amount of paper you toss – and protect your identity as you go. If you’re not sure, ask a professional.
• Make peace with your paper piles by incorporating desktop containers, files and other organizing products that fit your own personality and style.

For more help on how to get organized at home, call us to schedule a visit.