For many years I have kept two large plastic file boxes in my linen closet that hold any and all paperwork pertinent to my family's life. I have hanging file folders neatly labeled for each category and yes, they are alphabetized. But as organized and accessible as these items are I am still nagged by the knowledge that some of the contents just don't belong in my home.
In fact, where they should be is at my local bank, tucked away in a safe deposit box. I have put this off for years but I am making a resolution right now to "just do it." There are some documents that should be stored outside of your home in case fire, flood or any other destructive incident were to occur.
If you have any of the following items in your home, please consider storing them elsewhere. If you rent a safe deposit box, make sure someone close to you (preferably in another area) knows where you have it and how to gain access should something happen to you. Also, before you store these items you might want to make a copy of them and keep them in a file labeled "Safe Deposit Box" so you have an inventory. Items you will want to store include:
- Social Security Card(s)
- Birth Certificate(s)
- Marriage License
- Copy of will
- College degrees
- Copy of professional license(s)
- Divorce papers
- Health records
- Deeds, titles, insurance for home, autos and/or other property owned
- Video inventory of your home's valuables
- Copy of receipts for big ticket items and home improvements
- Any jewelry you feel would be safer in a safe deposit box
One last tip to remember - safe deposit box rental can be tax deductible! Check with your tax professional.
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