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Once you have a system in place, it's all about maintenance. Pay bills online and get statements via e-mail to cut down on clutter. When the mail comes, sort it in just a few moments. Every time you open a new account or switch insurance coverage, start a new folder for it.

Twice a year, give your system a once-over to ensure you're on track.

Find out how long you need to keep your financial paperwork
Please note: This is general information and is not intended to be legal advice. You should consult with your own financial advisor before making any major financial decisions, including investments or changes to your portfolio, and a qualified legal professional before executing any legal documents or taking any legal action. Harpo Productions, Inc., OWN: Oprah Winfrey Network, Discovery Communications LLC and their affiliated companies and entities are not responsible for any losses, damages or claims that may result from your financial or legal decisions.

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