One of the most basic ways to find papers when you need them is to retrieve them from an effective filing system. A good filing system will allow you to find what you're looking for in 10 seconds or less.

Here are 3 simple filing guidelines that can help:

CATEGORIZING.

A filing system is only effective, if you can find everything you need, when you need it--without a struggle. And all good filing systems have different categories of papers. Your papers are either going to fall into a MAIN category, or a SUB-category.

For example, a main category might be FINANCIAL. Some sub-categories within Financial, may be:

Savings Account

Checking Account

Money Market Account

In your filing cabinet, your main categories should always be hanging file folders with a labeled tab. Your sub-categories should be labeled manila file folders inside the appropriate main category hanging folder.

BASIC FILING SYSTEMS.

For the most part, people choose to use one, or a combination of, these basic filing systems:

Alphabetical (A, B, C, D, etc.)

Numerical ('1

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