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Ah yes, that fifth step is the trick…

I'd argue mostly.

I do have a few bins mostly related to financial information like statements and bills--which I'll probably never need to look at given online access to many things--but that are probably good to keep around for a while before chucking them.

For that, you can use "spike filing". Place everything incoming you might need on top of a spike (or on top of a pile or in the front of a folder). The automatically sorts by traverse chronological order, making it easy to both retrieve old documents and to know the age so you can discard older ones.

https://www.enotesnepal.com/class-11/notes/business-studies/...

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