Paper clutter can quickly take over drawers, cabinets, and even countertops. Whether it’s tax documents, receipts, or medical records, knowing what to keep (and for how long) helps you stay organized and reduces stress.
This post breaks down exactly how long you should keep common documents, and when it’s safe to let them go. Use this as your go-to reference for a more streamlined, clutter-free life.
What to Keep and For How Long:
Tax Records: 7 Years
Keep copies of your filed tax returns and any documents that support your filings (like W-2s, receipts, charitable donations). The IRS has three years to audit, but some situations extend to six or seven.
Medical Records: Indefinitely (if related to conditions or procedures)
For general visits, keep for at least one year. For surgeries, diagnoses, or chronic conditions, keep permanently.
Bank Statements: 1 Year
Unless they’re needed for tax purposes, most statements can be shredded after one year especially if you have access to digital records.
Pay Stubs: Until You Receive Your W-2
Double-check for accuracy when your W-2 arrives, then feel free to shred.
Receipts: Depends on Use
- For tax purposes: 7 years
- Big purchases (appliances, electronics): Until the warranty expires
- Returns: Until the return window closes
Home Purchase or Renovation Documents: As long as you own the home
These are important for resale and tax purposes, especially if you deduct improvements.
School Records, Diplomas, Transcripts: Forever
These are part of your permanent record and often needed for job or school applications.
Credit Card Statements: 1–3 Months
Unless you’re using them for tax documentation, shred after a few months.
Decluttering Tips:
- Set a reminder every 3–6 months to review and shred unnecessary papers.
- Digitize what you can—scan and organize important documents in folders.
- Use a labeled accordion file or a desktop file box for the papers you need to access often.
- Invest in a quality shredder to protect sensitive information.
Bonus: What to Shred vs. What to Toss
Shred: Anything with your Social Security number, bank account info, or full name and address
Toss: Junk mail, non-sensitive flyers, or documents you’ve already digitized
Taming paper clutter doesn’t have to be overwhelming. With a little know-how and a plan, you can confidently decide what to keep, and what to let go.
Grab my FREE “How Long to Keep It” Checklist to start your document declutter today.
[Download now] and pin it to your command center or inside your file cabinet!
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