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Blog: Minimizing Financial Clutter
52 WEEKS TO FINANCIAL ORGANIZATION: #13 Your Home Inventory - Now What?



Last week's homework was to create (or update) your household inventory a list of and photographs of your household possessions. Now that you have done so, there are a few additional steps you need to take to make sure that you are adequately protected in case of a fire or other disaster:
 
1.       Check to see that you are adequately insured.  Most homeowner's insurance policies have a very small coverage limit (if any, at all) on certain valuables.  Now that you have a detailed inventory, make an appointment with your insurance agent to review your coverage, and obtain additional coverage, if needed.
 
2.       Store your inventory in a safe place.  For obvious reasons, off-site storage of your household inventory is best.  If you used the online inventory tool I mentioned (http://www.knowyourstuff.org/iii/login.html), your data is stored on a remote server.  You can access it from anywhere if you know your login information.  (So be sure to write down your username and password, and keep it with your vital documents.)  The second-best place to store your inventory, photographs and videotapes of your home is in a bank safe deposit box or in a safe at a family member's home.  If you decide to keep your inventory at your own house, store it in a fire-resistant safe with your other vital documents.
 
3.       Schedule yearly updates.  You acquire things and you dispose of things.  Your inventory, therefore, is a living document that must be updated periodically.  Schedule a date to update your household inventory every year.  Write it on your calendar now.

posted on: 4/5/2009 11:30:00 AM by Katherine Trezise
category: Finances


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Minimizing Financial Clutter


by Katherine Trezise

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About Katherine:

Katherine Trezise is president of Absolutely Organized, based in Baltimore, MD. She is president-elect of the National Study Group on Chronic Disorganization. Katherine holds a masters degree in business administration, is a Certified Professional Organizer® and a Certified Professional Organizer in Chronic Disorganization®. Absolutely Organized specializes in helping people organize their homes, paperwork and financial records to make room in their lives for the things, people and activities that are most important to them.

Katherine's Website:

www.absolutely-organized.com




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