Archive for ‘Digital’ Category

Organize to Help the Seniors in Your Life With Technology

Posted on: May 27th, 2024 by Julie Bestry | 14 Comments

We love technology. However, it does not always love us. 

Technology is not always (or even often) intuitive, which makes it hard to organize the technology and the content provided by the technology. This is especially true for our parents and grandparents (or ourselves, if we happen to be seniors).

Whether the seniors in your life embrace technology or eschew it, the digital realm has a lot to offer them. 

Health and Safety Technology

  • Wearable fitness trackers like Fitbit, Garmin, and Apple Watch (and associated apps) for tracking:
    • nutrition and calories burned
    • steps taken and stairs climbed
    • health metrics like heart rate, blood pressure and glucose levels
  • Reminder alerts and alarms for taking medicine and testing blood pressure and blood glucose.
  • Phone-based magnifiers for helping read medicine bottle labels and prescription instructions.
  • Phone-based cameras for supporting memory (noting parking locations, remembering hotel names and room numbers, etc.). 
  • Videoconferencing for telehealth allows seniors to stay connected with their physicians for regular visits and making inquiries without having to venturing out to drive in inclement weather or seek rides when an in-person appointment isn’t necessary.
  • Fall detection and emergency hotline hardware and software, or medical alert systems, allow seniors to get help if they suffer falls or medical emergencies in their homes, even if they are not positioned near their phones or are unconscious.

Paper Mommy and I call these the “I’ve fallen and I can’t get up” buttons after the grating commercials.

They range from wearables like bracelets and pendants to wall-based systems, and are connected through phone lines to base stations, so if someone suffers an emergency, they can “call” through that base station, like an intercom. If the user does not respond to the service’s inbound call, emergency services are dispatched. Common systems include Life Alert, Medical Guardian, and ADT Medical Alert.

Smart Home Technology

As with health technology, a variety of smart home technologies can make life easier and more convenient for all users, but especially seniors. These include:

  • smart lighting and blinds
  • smart plugs and timers that turn appliances off and on
  • digital monitoring systems for temperature control, CO2 detection, humidity, and air quality
  • smart thermostats
  • robot vacuums 
  • GPS-based trackers to locate lost items
  • digital doorbell cameras to help monitor who is at the front door (delivery staff, visitors, bad guys, etc.)

Digital monitoring and home management can make it easier for seniors with low mobility or low vision to be able to care for their homes and personal comfort with minimal effort.

For more on smart home tech for seniors, the New York Times’ Wirecutter site has a great piece on the 14 Best Smart Home Devices to Help Aging in Place.

Entertainment and Social Connection Technology

There is no age limit on enjoying books, TV, movies, or music, but the same technology that brings a wider variety of options into our homes, but these technologies are not always intuitive. It’s not that Spotify or Netflix is easier to to use when you’re 25 than when you’re 85, but those who have always lived with technology are quicker to note and understand user interface changes and make quicker guesses as to where missing options may be hiding.

Retirees who no longer interact with others in the workplace or at as many social gatherings as previously can benefit from all the modern offerings, including:

  • Smart TVs with cable or satellite programming
  • Streaming entertainment from mainstream services like Amazon Prime, Netflix, Apple+ TV, Hulu, as well as niche programming services like BritBox or BroadwayHD.
  • Music streaming services like Spotify, Apple Music, Amazon Music, or Pandora
  • Podcasting apps
  • Book and audiobook services and apps like Audible, Libby, and others that allow you to purchase entertainment or borrow from your public library.

When Tech Go Wrong

We’ve all dealt with the frustration of tech going wonky. The difference is that the younger we are, the more likely we are to recognize a problem that we’ve seen before and recall how to solve it. We’re more likely to visit the service’s FAQ pages or Google the problem. Seniors, however, may be both less likely to have experienced (or recall experiencing) similar problems and less adept at digital search and the right prompts to solve the problem easily.

When I got in the car to run errands this weekend, in place of the digital clock on my car’s navigation screen, it just said “–:–“ so I immediately went to the on-screen settings icon. However, on the resulting screen, the date/time icon was greyed out. I vaguely recalled this having happened once before, so I wasn’t immediately worried that my car was “broken” or that there was an expensive onboard computer problem.

First, I checked Twitter (I refuse to call it X) reports of widespread problems. Twitter is still my go-to for “is it happening right now” technology issues unless it’s an internet-based issue, in which case I follow the steps I described in Paper Doll Organizes the Internet: 5 Tools for When the Web Is Broken.

Then I Googled “Kia date/time setting greyed out and not working” on my phone. I got varying reports of it being a satellite issue that would self-correct; others suggested pulling one of two different fuses and/or resetting the onboard programming.

I can just shout, “Hey, Siri, what time is it?” so this wasn’t an emergency. Thus, so I didn’t get flustered, and figured if the problem continued I would check it out later in the weekend. An hour later, after a trip to Walmart (where the cashierless payment technology had everyone frustrated), I returned to my car to find the clock working again.

Now, take a moment to imagine your Great-Grandpa dealing with this clock kerfuffle, getting progressively more annoyed that the auto manual’s index and table of contents yielded no immediate solutions. Would he head to the search engines? Would he become agitated?

We all love technology and we all hate when tech doesn’t work as it’s supposed to. The only difference is that the younger we are, and the more privileged (financially, socially, educationally) we are, the more exposure we’ve likely had to potential solutions. The best thing we can do to make technology easier for our elders is to help them when we can, and connect them to others who can help them when we are not able to do so.

HOW TO HELP THE SENIORS IN YOUR LIFE WITH TECHNOLOGY

Let’s get the giggles out of the way, first.

Don’t laugh at them. When possible, do laugh with them.

This should be obvious. But it’s also hard. While serving as Paper Mommy‘s tech support over the phone, I kept trying to point out the lock icon so that she could recognize secure websites.

Because we couldn’t see one another’s screens, I was trying to give her landmarks, and I could tell she was looking in the right location in the URL bar at the top of the screen, but she kept not seeing the lock icon. Finally, Paper Mommy, frustrated, insisted “It’s not there! The only thing there is something that looks like a little purse.”

By Santeri Viinamäki, CC BY-SA 4.0 

Um. OK. I had to laugh. While yes, to anyone thinking in terms of technology, that secure URL icon is a padlock. But if you’re in your 70s or 80s and haven’t been technology-focused for your entire adulthood, yep, it’s a purse. A green handbag. 

Start with, and explain, the basics. Use proper lingo when you can, but if your person just can’t get a handle on remembering the term “scroll bar,” try saying, “Do you remember the vertical bar that makes the screen move up and down, like an elevator?” Use vivid, memorable language, and be prepared to backtrack. Often. 

Let them make mistakes. Many seniors are afraid that they will “break” the computer or gadget by clicking on the wrong link. Assuming you’ve covered the basics of avoiding phishing and other scams (see below), assure them that changing settings isn’t going to void the warranty or damage the software or the hardware.

Do not condescend. If this senior is your senior (parent or grandparent), remember how many times they needed to help you learn how to use a spoon or spell your name. 

via GIPHY

Be patient. Go slowly and be as patient as you can be. (And if you can’t be patient with your mom even though you are known for being patient with clients or colleagues, recognize that you and your favorite senior will have different perspectives, and find them an alternate IT help desk, once that doesn’t look like you.)

Explain online dangers and prepare them for what they should NEVER do. Technology doesn’t need to be scary, but it often is, and especially so for seniors. Teach the seniors in your life about phishing scams, how to identify the true source of emails (by hovering over the sender name and looking at the actual domain name of the address), how to look for secure sites (and the “purse”), and how companies and banks and the government will never call or email and ask for passwords or other information.

For more on this, refer to my post from March, Slam the Scam! Organize to Protect Against Scams.

Teach them where to look for resources and how to ask search engines for help. My mom once called me because every bit of text on her Facebook screen had turned German. I knew immediately that this was because Facebook had a word cloud of language names in the lower right-hand corner of the screen.

If you were holding an iPad (as she was) on the right side, it would be easy to press your thumb on one of the languages and change your settings. (Facebook has since moved this element off the main screen.)

I’d once accidentally turned my Facebook default language to French, and had to Google the solution, and my Google-fu is pretty strong. However, to the uninitiated senior, it can be tempting to ask a question as you might ask someone sitting next to you on the couch: “Why is my Facebook in German?” However, to yield a more helpful answer (at least until our AI overloads take complete control), a better query might have been, “revert Facebook default language from German to English.”

Search engine language is not intuitive, but we can all — including seniors — learn better queries to find help more quickly.

Customize accessibility settings when seniors get new devices. Sometimes, just making text larger or addressing basic accessibility issues will make the entire navigation process easier for them. 

BUILD ON INITIAL GUIDANCE WITH MORE COMPLEX TECH SUPPORT

Use Screen-Sharing Technology Options

If you’re helping a senior long-distance, it can be maddening for both of you. They may feel rushed, and you might be knocking your head against the wall because they can’t “see” what you know or believe to be right there!

At minimum, seek solutions that grant you remote screen viewing so you can see what they’re doing at their end and provide tactical directions. Be aware that there’s often a delay between what they’ve done and what you see, so just as when you’re working on the phone, try to discourage them from jumping multiple steps ahead.

In addition, there are remote access software programs and apps that allow you to manipulate someone else’s device from wherever you are. This is how the help desks at Apple and other big software and hardware companies guide you through IT troubles. Unfortunately, it’s also how scammers get access to your loved one’s computers, so it’s important that they understand not to provide this access to anyone they don’t know unless they are seeking the help of an authorized, respected technology expert and NOT someone who randomly calls and claims that “There is a problem with your Microsoft computer.” (There isn’t.)

I used to help Paper Mommy and my virtual clients with LogMeIn, which is now $30/month) However, there are still free and affordable options for providing remote tech support to your beloved seniors, including:

All of the above options will work whether you and your senior have the same platform (Apple or Windows) or are mismatched. Other options require you to be using the same platform.

  • Apple Mac users have a few options. If you’re both using Apple computers, you can make use of the free Apple Remote Login, but as with the Chrome option above, you’ll need to set it up in advance.
  • Alternatively, without any advanced prep, (and again, if you’re both using Macs), you can use “Screen Share” from within the Messages app:
      1. Open the Messages app on your Mac.
      2. Select a conversation with your senior relative or friend. (If you haven’t ever texted with them, start a new conversation.)
      3. Click the “i” button in the upper right-hand corner of the window. A set of options will drop-down.
      4. Click “Share.” 
      5. Ask your senior to share their screen. (Alternatively, they can also go to this same menu and invite you to view their screen.) They’ll get a pop-up requesting permission to share their screen with you. They need their “Control My Screen” option selected and should click “Accept.” From this point, you can control their Mac and show them what to do, step-step, or fix problems yourself.

Finally, I find it helpful to initiate a Facetime (Mac-to-Mac) call before starting the process, but you can also speak on the phone while troubleshooting.

Write Down Instructions, Step-By-Step

Don’t expect seniors to remember intricate processes they’ve only seen once or twice, or to intuit the workings after minimal practice.

When one of my clients (senior or otherwise) is learning new processes on the computer or another device, I teach the step and then write it down on a numbered list. Once we’re all done, I create a title with “if,” such as “If you want to listen to your new voicemails…” or “If you want to download an app from the App Store…”

Make a notebook of these lessons so your senior can flip through the pages, or even create an index in the front. (And yes, can type these lessons and store them in Notes, Dropbox, or Evernote if that’s something your senior is comfortable navigating.)

HOW TO OUTSOURCE TECH SUPPORT FOR SENIORS

Do you and your senior end up fighting when you try to help with tech? Sometimes, the best way to help is to arrange alternate help. (This is why, when adult children and their seniors spar over downsizing, bringing a professional organizer in is the best option.)

Outsource To Your Teenager(s)

Assign your teens to help their grandparents (or neighbors or friends who are grandparent-ish age).

Photo by Andrea Piacquadio 

Too few young people have the opportunity to learn from older generations, and this kind of bond can be good for both groups. Seniors will feel younger when engaging with teen family members, and the teens can connect with grownups with different perspectives on career, family, life, and history. (And shockingly, they’ll be more patient with Grandma than they are with you.)

AARP’s Senior Planet

Senior Planet is a free technology service sponsored by AARP, but you don’t have to be an AARP member to use it. (That said, at $16/year for anyone over 50, AARP’s discounts and educational resources definitely make it valuable.) 

Senior Planet offers in-person virtual sessions, in-person classes in major cities, and online classes, like “How to Choose a New Computer.” There’s a hotline for those who need immediate assistance for simple questions. It’s available weekdays from 9 a.m. to 8 p.m. Eastern, during which Senior Planet’s “technology trainers” (employees and volunteers) can answer questions about email, texting, app notifications, video conferencing, and other tech conundrums.

Anyone needing personalized tech help can call the hotline at 888-713-3495 or fill out a form to schedule a help session.

Cyber Seniors

Cyber Seniors is a volunteer-based, non-profit organization and is available at no cost to users. Most volunteers are in their late teens and twenties and have training to serve as “digital mentors” to seniors. Think of it as digital natives guiding digital immigrants through the cyber world.

Cyber Seniors provides both one-on-one individualized support and as well as group education.

For individual needs, fill out a request form with general information(contact email, birthdate) and situation (device type, etc.), and then select an appointment date and time for a volunteer to contact you by phone. Once the mentor calls, you explain what you’re trying to do (e.g., attach a photo to an email, set up a Facetime call, change the settings in a program). Users can request a specific mentor by name or work with anyone on the CyberSeniors team, so if Grandma meshes well with a certain person, request a repeat session.

Cyber Seniors offers weekday group webinars over Zoom on tech and cybersecurity (and other) topics, and recorded prior webinars are also accessible.

GoGo Quincy

GoGoQuincy, promising “tech support for non-techies” started as a service to help seniors with but has expanded to assist anyone, no matter the age, with technology difficulties. For up to one call per month, the service is free; after that, there’s a $5/month fee plus $11 per call, so if there’s any chance you or your senior might be making more than two calls a month, the unlimited plan (for $19/month) is the way to go. (Reviewers note that experts didn’t try to upsell memberships or get callers to sign up for the paid service. Still, I’d encourage exhausting free options first.)

GoGo Quincy has a telephone hotline if you need immediate technology assistance; otherwise, schedule a session through the GoGo Quincy website.

Hire a Technology Specialist

Your best bet for a loved one (or yourself) maybe to hire a professional technology consultant. I have senior clients who are active in their non-tech lives but for various reasons need support with their web sites, social media, or ever-more-complex devices, and having a paid consultant, either on retainer or paid per call, gives them confidence that they’re getting professional level services.

Online, you can find a variety of in-person and virtual technology coaches, like Tech Coaches or Candoo Tech.

Additionally, there are professional organizers, working both locally and virtually, who can assist with making technology more accessible. My technology-minded colleagues in the National Association of Productivity and Organizing Professionals (NAPO) can be found by going to NAPO’s website and conducting a search, as follows:

  1. Go to NAPO.net.
  2. Select “Professional Directory” from the FIND A PRO drop-down menu at the top of the screen. Alternatively, you can scroll down the page past the photo banner to where you see the words the following:
  3. On the resulting search page (which defaults to a radius search), type in the requested information and select Digital Organizing from the residential organizing drop-down. The screen will refresh, giving you professionals guide you in organizing your technology.

Consider Artificial Intelligence

It’s not always ready for prime time, but there are AI options for getting tech support when humans aren’t available. One option is HelpMee.ai, which promises patient, voice-enabled conversations and screen sharing to guide seniors step-by-step through computer problems.

HelpMee.ai has multiple price points, from a free trial for 20 minutes of support, to three different levels of monthly support ($9.99/month for 1 hour, $19.99/month for four hours, and $24.99/month for 8 hours of support.

With all of these options, seniors can enjoy the benefits of technology while minimizing the frustrations. Don’t give up on helping your seniors with tech, and don’t let them give up, either!

If you have your own favorite tips and services for helping seniors with technology, please share in the comments.

Slam the Scam! Organize to Protect Against Scams

Posted on: March 4th, 2024 by Julie Bestry | 18 Comments

Rotary Phone Photo by Quino Al on Unsplash

Being organized and productive depends on having systems in place. The problem is that sometimes things happen that throw all of our carefully curated systems out the window. Things like getting the flu, having your car break down (or get stolen), your computer crashing — or getting scammed. 

It’s shockingly easy to fall for a scam, and frustratingly difficult to recover financially and legally after being a victim. It may require time, money, the services of specialists (like attorneys) and more. The best thing you can do is to organize yourself to protect against being victimized.

SCAMMERS PREY ON EVERYONE

You may have heard about a recent viral article in The Cut by Charlotte Cowles, the online magazine’s financial advice columnist. You wouldn’t have expected someone with that professional identity to write a column entitled, The Day I Put $50,000 in a Shoe Box and Handed It to a Stranger. But she fell for a scam, and she fell hard. And now, risking public and professional embarrassment, she has spoken out. 

For weeks, there’s been debate online regarding what happened to Cowles. Many people can’t imagine that a grown woman with a professional background in financial writing could have been fooled by the ring of scammers who convinced Cowles that they were representatives of Amazon, of the Federal Trade Commission, and of the CIA.

But scams are real, they are everywhere, and we need to organize ourselves (and warn our loved ones) to be vigilant. Gallup found that 15% of American households were victims of financial scams just last year.

Graph provided by Gallup

And, while we tend to think of victims as being older, every demographic group is at risk. In fact, younger adults (like Gen Z and the youngest Millennials) are overrepresented as victims of scamming (at 22%); meanwhile Gen Xers like Paper Doll and Baby Boomers are somewhat less likely to be scammed, at 9% and 14%, respectively.

The rate of victimization is lower among adults without a college education and with lower incomes than those who have college educations and who earn at least $50,000 per year. One might surmise that both of the latter groups have more opportunity to be warned and prepared to identify elements of scams. 

But people with education, experience, savvy, and money can also be scammed. Last month, author Cory Doctorow wrote How I Got Scammed, explaining how a Christmas holiday travel week, a failed ATM transaction, and the post Alaska Air 737 Max door-plug disaster created a perfect storm for him being taken advantage by a phone-phishing fraudster pretending to be from his credit union.

Sometimes, a scam is obvious. Out of nowhere, you’ll be cooking or watching TV and the phone will ring. A mysterious and heavily accented speaker will say that there is “something seriously wrong with your Microsoft computer.” It doesn’t matter if you actually have a Mac, or if you don’t even have a computer. They’ll use that wearily patient voice so identifiable as IT customer support.

You immediately know it’s fake; but would your grandparents? Would your teenager? 

Other scams are less obvious because they come wrapped in the kind of tech-related language we see every day. In just the 24 hours prior to writing this post, Paper Doll and Paper Mommy experience attempted scams.

I received an email claiming that I’d purchased $500+ in services, and if had not made those purchases, I should immediately click to be connected with the company’s fraud department. Of course, merely hovering my cursor over the return email address (displayed as the company’s name) showed it was actually sent by gibberishletters@Yahoo.com. Real companies don’t use Yahoo addresses; in theory, they shouldn’t even use Gmail addresses. Dependable companies have their own domains.

Meanwhile, Paper Mommy got the all-too-common email advising her to click because her iCloud was full. [Be assured, her iCloud was not full. It has a backup of her iPad and probably a few dozen photos and not much more.] Paper Mommy may be 87, but she is one smart cookie, and even if she hadn’t received one of these same phishing attempts previously, she knows enough to verify such things.

However, it’s common enough to get random notification texts, popups, and emails claiming that something is awry. One of the immediate clues is bad spelling, grammar, or punctuation, something that older generations are more likely to take seriously; a 50- or 70-year-old is more likely to immediately realize that a poor command of English (in an email sent, ostensibly, by an American company to an American customer) is a sign of a scam. Thus, given the propensity of younger people for text-speak and a lesser reliance on standard usage, younger adults might be more easily tripped up.

Still other scams prey on the inclination of individuals to be good natured. One popular scam comes in the guise of a text regarding a sick or injured dog. The sender addresses you by the wrong name and says that they’re at the vet; their dog won’t eat and is whimpering, and they’re waiting for assistance. I “fell” for such a scam a few months ago, in that I replied and said, “Sorry, you have the wrong person. I hope everything turns out OK for you and the dog.”

Sad Doggie Photo by Bruno Cervera at Pexels

I thought nothing more of it until the person kept texting and trying to inveigle me in conversation, asserting that I must be a dog lover, too. (Readers, while I’d hate for you to think I’m a Disney villainess, I’m not fond of animals in person, though I do love monkeys, puppies, kittens, and penguins, as long as they’re on my device screens and nowhere near me.)

I Googled, and immediately found that this is a long-running scam to convince text recipients to get emotionally enmeshed in the condition of the dog, and end up giving money. One can understand how Congressman George Santos managed to set up fake Go Fund Me accounts for animal care and steal the proceeds. People are softies and want to be kind.

We’re also inclined to be law-abiding. There have been a number of jury duty scams where recipients get calls or texts saying that there’s a bench warrant for them to be arrested because they have not shown up for jury duty. Sometimes, recipients are warned that deputies are on the way to arrest them unless they pay a fee over the phone, or buy gift cards and send them to the caller.

Government agencies don’t text you out of the blue. In most cases, none but teeny, hyper-local government offices will even email. They certainly don’t take payment in gift cards. 

Scams are designed to prey on your lack of experience or information, your good nature, and your fear of getting in trouble (as with Cowles’ example). Do not let scammers waste your time, ruin your productivity, or take advantage of your goodwill.

SOCIAL SECURITY: SLAM THE SCAM DAY

The Social Security Administration has declared this Thursday, March 7, 2024 Slam the Scam Day!

On National Slam the Scam Day and throughout the year, the SSA provides tools to help seniors and others recognize scams related to Social Security and prevent scammers from stealing both funds and personal information.

Social Security and Paper Doll want you to protect yourself, your loved ones, and people in your community this Slam the Scam Day by educating everyone about government imposter scams. Discuss the issue and let people in your life know they shouldn’t be embarrassed to report if they shared personal information or suffered a financial loss. It’s important to report scams as quickly as possible, both to aid recovery and identify the culprits.

The Social Security Administration encourages us to share their Scam Alert fact sheet to help educate others about how to protect themselves. Report Social Security-related scams to the Social Security Office of the Inspector General (OIG).

If you do encounter scammers in any way related to Social Security, report the scam online with as much information as you have regarding the characteristics of their claims. 

Social Security encourages you to visit www.ssa.gov/scam for more information and follow the SSA OIG accounts on Facebook, Twitter, and LinkedIn. Those accounts aren’t going to share the newest viral dances or memes, but will keep you informed of the latest nasty tactics. Please consider sharing this post with the #SlamtheScam hashtag on your social media platforms.

OTHER SCAMS TARGETING SENIORS

Scams targeting seniors aren’t limited to those involving Social Security. 

The “Grandma, I’m in Jail!” scam has been prevalent for more than a decade. Your phone rings and you hear a young person’s distraught voice begging for help. The caller, ostensibly your grandchild, has somehow accidentally run afoul of the law and is in jail. “Please send bail money but don’t tell Mom and Dad,” the caller begs, providing a phone number and case number; you call as directed and the faux police officer verifies the case number and takes your money. These scams assume Grandma doesn’t hear your voice often enough to recognize it on the phone.

Help your grandparents not fall for such scams by 1) explaining how they work and 2) calling them more often so that they recognize your voice!

Photo by RepentAndSeekChristJesus on Unsplash

Elders are often the victims of medical scams designed to impersonate legitimate agencies related to Medicare, diabetes supplies, medical equipment, hospice, and more. Romance scams, which prey on lonely people of all ages, but especially tender-hearted seniors, are also on the rise.

The American Association of Retired Persons (AARP) is great resource for keeping on top of scams targeting the elderly. Bookmark AARP’s Scams and Fraud page to learn about new schemes as they become known.

KNOW THE SCAMMERS’ TRICKS

Similar to “Grandma, I’m in Jail” is “Dad, I’ve had a car accident!” There’s loud traffic noise (and perhaps sirens) in the background and the faux-distraught caller is saying that they’ve caused an accident and that the police say they need to pay a fine right away. Don’t fall for it.

Remember how I said that government agencies won’t ask for payment in gift cards? Neither will your boss. The Do Me a Favor scam shows up via email or text, when your boss (or maybe the CEO of your company) sends a message asking you to purchase gift cards for a work-related charity promotion, promising to pay you back after he receives them.

Yeah, no. The email or text may look like it’s coming from your work contact, your church leader, or your Facebook friend, but it’s almost certainly not.

Similarly, your friends aren’t going to be at the Paris Olympics and lose their wallets and ask you to send them money via Facebook.

The best way to organize yourself against scams is to stay informed of what scams are popular. When you know what to expect, it’s easier to identify scammers and avoid engaging. 

DON’Ts AND DOs TO KEEP YOURSELF SAFE FROM SCAMMERS

DON’T CLICK — If you receive an email or text with links to your bank or other financial account, go instead to the official website and log in from there. If you don’t know the URL, look it up on the back of your bank or credit card or on your statements. And, as you’ve been told since the dawn of email, do not click on attachments from somebody you don’t know.

DON’T TRUST — The Caller ID may say that the inbound call is coming from your bank or the IRS, but it’s ridiculously easy to “spoof” (that is, fake) the identity of a caller. Consider not answering; scammers rarely leave voicemail.

Don’t assume that the caller having the last four digits of your Social Security number or even all of the digits of your account number is on the up-and-up; there’s just too much of our private information on the dark web. Instead, hang up and call the official number for your financial institution and request to be connected to the fraud department.

DON’T DIVULGE — If a stranger claiming to be from your bank or credit card’s fraud department contacts you, ask for a case number. Do not give out your personal information. Do not give out your PIN.

DON’T SAY YES — Do not answer questions in the affirmative. That is, if they ask, “Is this Jane Smith?” don’t say yes; if you must say something, reply, “What is this regarding?” Your voice could be recorded and cloned for AI-related scams. The less you say, the better.

DON’T RUSH (OR BE RUSHED) — It’s the nature of scammers, like the stereotypical used car salesman, to use the pressure of time to get you act against your best interest. Don’t be fooled into making a decision or taking action quickly. Check with advisors, whether more technologically savvy friends or relatives, your accountant or financial advisor, your attorney, or the police.

DO READ UP — The American Bankers Association has a nifty website called BankersNeverAskThat.com. The site explains what to watch out for in terms of email, text, phone, and payment app scams, and also has a great eight-question quiz where you can walk through the situations (on your own, or as part of coaching with a loved one) to identify whether something is a scam or legitimate.

For reference, I did pretty well, but I dithered on the question regarding payment app alerts; if you’ve only recently begun using apps like Zelle, Venmo, or other peer-to-peer payment services, you might find the example sneaky, too, so read (and share) AARP’s How to Avoid Scams on Zelle, Venmo and Other P2P Apps.

The site offers a goofy “retro” scam-themed video game and a series of lighthearted videos to drive the point home.

DO HAVE FAMILY PASSWORDS — Schools have security that was non-existent when I was a kid; there are lists of who is allowed to pick up little Johnny or Janey from school to ensure not only that there’s no Stranger Danger but that wackadoodle exes and pushy in-laws don’t insert themselves between you and your kids. Modern parenting includes having family passwords so that if someone says, “Hi, your mommy told me to come pick you up from soccer practice today,” even if the child recognizes Mommy’s best friend as Auntie Karen, the kids know to wait for the official password.

This concept should be applied to families at all ages. Have a communication password designed so that if Grandma or Dad or College Kid gets a call purporting to be from one of the others and is in in need of emergency funds, there’s a level of security involved. (But, y’know, if Grandma calls from jail too often, maybe let her think about the consequences of her actions for a little while.)

DO TELL THE AUTHORITIES — No matter how embarrassing it is to have been scammed, it’s important to report suspected and actual scams.

  • Notify your bank, credit card company, brokerage, or other financial institution immediately. If scammers have actually taken your money via credit card, the company should be able to flag the transaction as fraud and reverse it immediately; other financial institutions may also be able to freeze the transaction and save your money. Take screenshots of texts or emails, and don’t delete the original messages in case law enforcement wants to dig more deeply into the source code. 
  • Contact the police, and file a police report. Do not be dissuaded if the police officer seems blasé about the crime.

My credit card company once notified me that someone had used my card number to buy an inordinate amount of mail order men’s underwear and stereo equipment. Algorithms had already flagged the purchases as fraud, but they asked me to file a police report. The police officer who took the report at my workplace could not have looked more bored if I’d asked him to watch paint dry. It doesn’t matter. Report!

  • File reports with applicable state and federal agencies. Whether the case involves the Social Security Administration, Medicare, or other federal crimes, report scams to the applicable agencies. The Federal Bureau of Investigation (FBI) and the Federal Trade Commission (FTC), as well as your state’s bureau of investigation all have fraud departments. Learn more at the FTC’s Reportfraud.ftc.gov and the FBI’s Internet Crime Complaint Center at IC3.gov. 

THE FUTURE OF SCAMS

Scams — and scammers — aren’t going away. There will always be scammers who take advantage of anyone more easily duped because they have less information, less experience, and fewer people watching out for them. But, as I alluded to earlier, there are higher tech scams on the horizon.

Artificial intelligence is scary. I bet you’ve heard about deepfakes, video imitations made to sound and look like a real person is saying something they never actually said.  

Voiceprints and voice cloning constitute the audio version of deepfakes. A scammer can record you — or take your teenager’s Instagram or TikTok video — and create a completely new message using words and expressions that were never actually said, and then create an “emergency” where it’s believable that money or your Social Security number or other private information is requested. If your college-age kid still hasn’t memorized his Social Security number, you might be tempted to believe it if “he” calls from a spoofed number that looked like his and says he’s filling out a form at school and needed his (or your) digits. 

Voice cloning is already being used. Scammy deepfake videos could just as easily be to sent via Facetime or text video. Be careful.

FUNNY THINGS (NOT) TO DO TO SCAMMERS

You shouldn’t engage with scammers, so don’t emulate Paper Mommy or her friend in the stories below. Still, it’s fun to imagine retribution against bad guys.

When I was a teen, my mother was visiting a friend, a suburban woman of (shall we say) means. A phone scammer interrupted their visit and was urgently pushing some sort of financial scheme. Mom’s friend told the caller that she was sorry, but he’d have to wait, that her husband busy shoveling the cow s***.

Later, my mother spoke of her friend’s response with a twinkle in her eye. 

Paper Mommy, as longtime readers know, is a hoot. After a friend briefly fell prey to the “Grandma, I’m in jail!” scam (until she learned that her teen grandson was fast asleep in his own bed), Paper Mommy began plotting her revenge on scammers. A few years ago, she called me with delight to report that the day she’d been anticipating had finally arrived.

“Grandma, I need your help!” the voice implored. The scammer had already made a tactical error; much to Paper Mommy‘s chagrin, neither my sister nor I have made her a grandmother. My mom tut-tutted as the scammer wove his tale, offering periodic, “Oh, no, darling! … Oh, you poor thing? … You need me to send you money?”

She kept him on the line for eons, repeatedly leading the evil-doer to believe she was prepared to turn over her credit card number to secure grandson’s release. Oh, she just had to find her purse. Oh, fiddlesticks, where was her wallet? Just when his frustration led him to almost crack and he implored, “Grandma, aren’t you going to help me?” my mom uttered her Oscar-worthy line:

“No, Sweetheart. I never really liked you that much.” Click.

 

#SlamTheScam

Celebrate the Global Day of Unplugging

Posted on: February 26th, 2024 by Julie Bestry | 14 Comments

From the moment you open your eyes in the morning until you finally nod off at night, do you experience over-stimulation? Do you suffer from over-availability, whether to your boss, colleagues, or clients, or to everyone who wants to talk to you about their political campaigns or your auto warranty?

Even if you’re overly connected with the world via glass screens, do you feel a lack of connection — with your loved ones, nature, or even your inner self?

Have I’ve got a holiday for you! From sundown this Friday, March 1, 2024 until sundown on Saturday, it is the Global Day of Unplugging!

WHAT IS THE GLOBAL DAY OF UNPLUGGING?

The Global Day of Unplugging is an annual campaign to bring attention to the importance of taking a break from 21st-century technology, whether that’s your computer, your cell phone, or your brand new Apple Vision Pro. The goal is to embrace person-to-person connection, the kind where you can see deeply into someone else’s eyes because you’re in the same space at the same time.

It’s not that digital engagement is bad, per se. Zoom meetings and remote work means we reduce our overall carbon footprint from work-related road trips and airline travel. Cell phones (even if people mostly communicate by text) let us know when our friends are running late or if the kids need someone to pick them up. 

But being on-all-the-time keeps us from ever refreshing. When it’s our boss that keeps us connected, that’s toxic, as we’ve discussed previously:

I mean, we could move to France, as covered in the first post above, or to Australia, which has just voted to allow workers to ignore after-hours phone calls and email from their companies. That could help reduce any employer-related tethering to our devices.

But we do this same damage to ourselves! Like a digital pacifier, we reach for our devices when we’re bored or anxious: in line at the grocery store, waiting for a doctor’s appointment, on the other end of the couch from our kids or significant other.

Technology is pushed on us from above and from all sides, but it has the potential to become an addiction that pushes us further away from our loved ones.

Wouldn’t you benefit from a little escape? For one 24-hour period starting on Friday, people from all four corners of the globe (yes, I know globes have no corners), will intentionally walk away from their digital lives and meet IRL (in real life).

WHY UNPLUG?

Let’s look at the dangers of the attention economy, which treats our eyeballs (attention) as a scarce commodity. We can prevent some of the problems by decluttering our digital spaces; other parts require concerted efforts at unplugging.

Distractions

Our computers and devices bring so much digital clutter to our attention. Some of it involves what other people want us to pay attention to, things we may or may not find important. But other distractions we bring on ourselves by clicking our way into deeper and deeper rabbit holes, directing us to an article online or a video on TikTok, but then we stay, enraptured and forget what we were doing.

These distractions take our focus off where we intend it to be. Intention is how we make sure we handle what we prioritize and not someone else’s priorities. Decluttering minimizes those distractions.

When we’re organized in our homes or offices, the clutter and inefficient systems make it hard to find what we want when we want it. Digital clutter is more insidious because we don’t even realize that we’re being distracted — we’ve become so used to it, and because nobody else sees our digital clutter they don’t call attention to it.

When we eliminate digital excess and distractions and create new, more efficient pathways, we feel calmer and more in control. When that happens, we’re in the zone, better able to do deep work and get into flow, with less wasted time searching for whatever we want — or what our boss or client wants.

However, of all the ways digital addiction hurts us, perhaps the distractions and lack of productivity are the least important.

Physical Health

Digital overuse is bad for our physical health. We develop bad posture from shlumping at our desks, gripping our phones, and hyperextending our necks.

Tech Neck is an informal term for the medical condition we experience when we use our devices. We flex our necks and shoulders, causing strain strain on the muscles and joints; the more we do it, the greater the build-up of tension, leading to muscle pain and headaches. Some research even suggests that overusing mobile devices can cause bone spurs to form at the nexus between the neck and head!

Additionally, exposure to the blue light emitted by phones, tablets, and computer screens can cause insomnia and decrease the quality of our sleep, which can further impact our ability to focus. Of course, when our attention span is decreased (whether due to sleepless nights or being trained to think in tweet-length chunks of language), it takes ever more effort to interpret complex material or be creative.

And, of course, repeated digital interruptions from our devices leads to higher rates of exhaustion and stress-induced ailments. 

Stress

Speaking of stress, staying plugged in messes up our psyches in multiple ways:

  • Information overload leads to overwhelm — To borrow a movie title, it can seem like we’re dealing with everything everywhere all at once. Your work, your children’s homework portal, national disasters, politics — it’s all so important.

The problem with everything seeming like a priority is that eventually nothing is a priority. All issues, large and small, compete on a stage the size of the planet, the form of your smartphone, and the synapses in your brain simultaneously.

The problem with everything seeming like a priority is that eventually nothing is a priority. All issues, large and small, compete on a stage the size of the planet, the form of your smartphone, and the synapses in your brain… Share on X
  • Overwhelm leads to increased anxiety — Think about the last time you were trying to juggle multiple problems at the same time. I bet you were trying to give your attention to so many interested parties that one last, small request (“Honey, where’s the Costco card?” “Mom, can you take me to the mall?”) made you feel like your limbs where going to fly off in different directions.
  • Use of social media leads to a variety of emotional dysfunctions. Over the last decade, social media use has grown; in 2022, the average person spent 2 hours and 27 minutes on social media per day. Why is that worrying? 
    • The more we connect online, the more we experience FOMO (fear of missing out).
    • We more see other people having fun (attending parties, going on vacation, celebrating life milestones), the more likely we are to feel lonely.
    • Comparing one’s own life to other’s highlight reels can lead to lower levels of self-esteem. If you judge your own self-worth by comparing yourself to others, social media may make you feel like you’re failing.
    • As people — particularly younger folks — spend less time developing in-person social interactions and more time on social media and dating apps, there’s an increase in social awkwardness when they finally do meet face-to-face. This contributes to more social anxiety. Additionally, the social relationships we do have tend to fray without positive, in-person interactions.
    • Social media makes it easier for people to exhibit bad behavior. Bullied teenagers used to have a respite from their cruel classmates once the school day was over; now, it follows them home on their phones and social gaming sites. And we all know about rude online treatment of anyone who dares to have a differing opinion on anything, whether politics, sports, or music, or has a different religious, national, ethnic, or other kind of identity.
    • More nuanced unkindness online occurs in the withholding of likes or social approval, which again, when we compare our “performance” and “appeal” to that of others, can make us feel like we’re lacking.
    • All of this can lead to depression.
  • We can lose the ability to ability to self-soothe when we’re constantly tethered to our digital pacifiers. On the plus side, our devices can distract us from very real things that, well, suck. But when we become dependent on that kind of distraction, our former life skills dissolve. We used to be able to make polite conversation with strangers in line or read books for extended periods of time. We could go to sleep without an hour of scrolling. Now, we’re often unable to tame our thoughts unless we allow the internet to do it.

WHY IS IT SO HARD TO UNPLUG?

Every app and the whole on the internet is purposely designed to keep you coming back. 

There’s a scientific explanation. Every time we use our devices, it reinforces the pathways taken by dopamine, a happy-making neurotransmitter at the base of our reward-seeking behaviors. Just like the bells and blinking lights on a Vegas slot machine condition us to pull the lever or push the buttons one more time, the notifications, “Breaking News” headlines, daily streaks in apps, and aforementioned “likes” draw us back in.

Godfather Goodfellas GIF from Godfather GIFs

Worse, as with other addictions, when this neurotransmitter pathway doesn’t get reinforced, we actually experience something very similar to a chemical withdrawal. Have you ever found yourself without your phone, feeling jittery and unable to tame your mood?

It’s not your fault. You have to use modern devices for work, and you really do want to have access for many of life’s convenience. But you will feel better if you can lessen your dependence.

HOW TO UNPLUG FOR A DAY

To celebrate the Global Day of Unplugging, you can look for a community event near you. There’s everything from a musical chairs event in Charleston to Yoga and Sound Healing in Gainesville, from a Family Bonfire & S’Mores in Star, Idaho to something called a Disco Get Down-Dog in San Diego. And this truly is global, with events from Denmark to Bolivia, Virginia to Switzerland!

The Global Day of Unplugging organization has listed over 200 ideas of what you can do instead of being plugged in!

The idea isn’t to become a Luddite, but to find ways to feel less isolated or disconnected (whether from others or yourself). Ideas range from the tame (unclutter your pantry, take a hike, do some gardening) to those that indulge your inner child (build a living room fort, blow bubbles, put on a puppet show).

Create art (decorate a lantern, have fun with origami) or go on a quest (create a scavenger hunt or go on a Gnome hunt)! And while I’d be hopeless at crocheting for a cause or going on an ice-block slip & slide, all of these events would definitely be healthier for my brain, heart, and soul than scrolling through the curated slime-fest some platforms have become.

You can also support the global unplugging movement by making a donation or purchasing “merch,” but even joining at the free plan lets you download their “I/We Unplug” signs.

If you enjoy the Global Day of Unplugging, consider taking a tech sabbath as described by Tiffany Shlain in 24/6: Giving up Screens One Day a Week to Get More Time, Creativity, and Connection or doing a digital detox on a more regular basis, so you and your devices take a real break from one another.

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TRY BABY STEPS TO GET MORE COMFORTABLE WITH UNPLUGGING

Nobody is saying that you have to become an in-person social diva overnight and join with others. If you’re more the “lone wolf” type, there are many ways to make it easier to unplug.

  • Make it less convenient to access your phone when you should be doing something else. At work, put it in a drawer; if you work from home, take it to another room. When out and about, put your phone in your purse or work bag, inside a zippered compartment. Add friction!
  • If you can’t keep your hands off your phone, use the accessibility functions to turn your phone to “grayscale.” When the display is limited to black, white, and grey, your brain gets fewer dopamine hits and you’ll be less compelled to reach for it.
  • Use positive reinforcement. Doodle a message (like “UNPLUG!” or “Put me down!”) to yourself and take a photo (or create a graphic in Canva) that reinforces your goal on your locks screen. 
  • Silence notifications when you need to do focused deep work (but set expectations so co-workers or family trust you’ll get back to them).
  • Don’t use your devices in the bedroom, at night or in the morning. Remember, the blue light from devices detracts from your ability to get recuperative sleep (meaning you’ll be distracted the next day), and using them first thing in the morning keeps you from starting your day focused and intentional. Don’t get sucked in to what’s trending.
  • Don’t text and drive. Don’t dictate and drive. Don’t let your phone read texts aloud. Unless you’re getting directions or there’s an emergency, put your phone away.

And if you’re worried about your family, remember: it’s hard to limit screen time for kids and teens when you don’t model healthy digital hygiene yourself. Work together to support alternatives to an always-online life.

Ironically, the more technology gains a pernicious hold on our attention, the more we may need to consider technological solutions to untether. 

For example, there’s an increase in apps to make it easier to not use apps! ClearSpace claims that 97% of its users reduced their screen time in the first week of use. It uses a minimalist design to block and limit distracting apps, reduce time spent doom scrolling, train attention through screen time challenges, and provide screen time accountability and reporting.

Similar apps for helping reduce screen use include Forest, Space, Off the Grid, and Elqi.

There’s even a new phone, the Minimal Phone, designed to make essential work easier but social media use less appealing.

The Minimal Phone uses an E-Ink display that’s supposed to reduce eye-strain and promote healthy sleep. The claim is that it’s “designed to discourage prolonged social media use, while still being perfect for essential tasks like emails and texts.” It’s higher tech than a flip phone, but less inviting than a typical smart phone.

UNPLUG TO ACHIEVE SILENCE

We tend to think of unplugging as it affects our eyes, but our ears get overstimulated, too.

The Sounds of Silence

Even 65 years ago, individuals were trying to unplug from the experience of audio overload, as The Restorative Pause of Silent Record Week and the below video both explain.

(Learn more about the phenomenon of “silent” records in Spin Magazine’s Silence is Golden and Music Weird’s The Sounds of Silence: A Brief History of Silent Recordings.) 

A study entitled Is silence golden? Effects of auditory stimuli and their absence on adult hippocampal neurogenesis, published in 2013 in the journal Brain Structure and Function found that, for mice at least, silence can be “a proactive catalyst for neurogenesis.” In other words, silence can stimulate the creation of new brain cells. Stepping away from the pings and buzzes might not just make you calmer, but smarter!

And it’s not just the one-way silence that might benefit us. Last year, researchers found a problematic aspect of video conferencing. When we chat in person, we respond to yes-or-no questions, on average, within 297 milliseconds; on Zoom, it’s 976 milliseconds! We may not perceive the delay, but the slowdown interferes with the neural mechanisms regulate human conversation? Our physiological response? (Zoom) fatigue. 

And one study found that two minutes of silence interspersed with, or after, relaxing music increased the calming power of music on cardiovascular, cerebrovascular, and respiratory systems. Silence combats the negative aspects of our online life.

You may find these trends toward silence intriguing enough to consider other ways you might unplug.

Silent Reading Groups

Silent Book Club has over 500 chapters in 50 countries. There’s no assigned reading, and you can meet, eat and drink, and read silently for an hour along with others equally craving silence. (They do socialize after the reading time.)

Carving Silence from Chaos

Earth FM offers a search engine to find the quietest places in the word’s loudest cities. Unplug from your devices, then escape the high decibels of your city and enter peaceful gardens, parks, pools, and arboretums.

Los Angeles Ornamental Japanese Garden, photo by Glen Bowman (CC 2.0)

Silent Salons

In many beauty salons, you can request a silent appointment or silent chair. It might seem contradictory to the idea of unplugging from the digital realm to have more one-to-one interactions. But sometimes, a person is overwhelmed by all auditory experiences. It’s OK to unplug from conversation, too.

Silent Travel

Unplugging is hard. Most of us would feel accomplished enough if we could put our phones away for an entire day. Given that, I’m fascinated by a new trend of traveling unplugged.

Silent travel is designed to be restorative and mindful, so when you return, you don’t need a vacation to recover from your vacation. Options include:

  • Silent meditation retreats — Monks and nuns may be the best-known practitioners of silent meditation, but interest grows every year. A colleague has attended multiple silent retreats over the years, each scheduled in proximity to her birthday. The experience gives her the opportunity to focus on her thoughts and feelings, and do some self-analysis, things that would be very difficult amid the FOMO and constant contact inherent in carrying the internet around in her pocket.
  • Quiet and silent nature reserves — Nature is not silent (though I wish the tree frogs outside my suburban home would considering hushing themselves.) Animals are, however, unlikely to buzz or ping or otherwise carry on a loud one-side conversation with a fellow creature halfway across the country. Organizations like Quiet Parks International promote awareness of listening to nature and our inner voices, reduce the impact of noise pollution, and foster the benefits of experiences that allow for embracing silence and the sounds of nature.

For those of us who struggle with traditional meditation, especially the kinds that require sitting still, silent walking sans devices are an anxiety-busting revelation. Several organizations support such efforts by identifying locations and providing advice, including SilentWalks.org, Sharing Nature, and Ideas for Educating. 

  • Sleep tourism has become a whole thing in recent years, with the hospitality industry investing deeply in wellness options like specialized in-bed therapies, guided meditations, in-room essential oil infusers, and other treats. Sleep retreats offer options to modify sounds, aromas, temperatures, textures, surfaces, and experiences.

Bed in the Clouds Photo by Mo Eid

Escaping the negative effects of your phone is just the beginning; even the most middlebrow of hotel stays now include combination alarm clocks and sound machines so that your business trip dreams can be accompanied by the sounds of rushing water or birdsong.

If you’re a light sleeper, quiet hotels help unplug from other people’s conversations and devices. Quiet Hotels and QuietHotelRooms can help you find quiet spaces is noisy cities.

As you unplug from the digital world and sensory inputs, consider silent options.

READ MORE ABOUT UNPLUGGING

Attention and Mental Health (Center for Humane Technology)

Safe Technology North Carolina 

Unpluggo — Disconnect to Reconnect 

Why Unplugging Matters 

Reference Files Master Class (Part 4) — Household and Personal Papers

Posted on: February 5th, 2024 by Julie Bestry | 16 Comments

As part of our 2024 refresh of classic posts and essential concepts in paper organizing, we’ve already looked at the what it’s time to let go of, the basic tools for creating a working filing system, and the first three categories of my approach to a personal or family filing system.

In today’s post, we look at the last two elements of the system.

  • Financial
  • Legal
  • Medical
  • Household
  • Personal

With each of these categories, there are times when a paper, digital, or hybrid approach is the optimal solution.

For financial documents, I encouraged establishing a baseline paper system for building skills in financial management; digital storage is a fine adjunct to that once you have a handle on your money and the related activities. For legal papers, digital storage provides a solid backup, but for your most vital documents, you will need to access the originals. 

Last week as we saw with medical documents, paper and digital complement each other, depending on where you need to access the information as well as an individual’s adeptness with apps and software.

Those first three are the most “official” types of documents. If you don’t have access to financial or legal information, it can cause troubles with your credit history or the IRS, lead to you losing property, or even land you in jail. The consequences of not having medical information can range from inconvenient to life-threatening.

Happily, our final two categories are less fraught. Maintaining household papers helps you save money, reduce friction when seeking solutions, and provide quick answers. Meanwhile, an orderly system for personal papers helps generated a biographical history of you and your family members and develop a repository of personal research. Done well, you can avoid piles of random papers.

HOUSEHOLD FILES

You may be pretty proud of how you’ve managed your financials, but if you’re like most people, your household papers are strewn across a series of drawers, a cabinet in the kitchen, or an unlabeled hanging folder.

I get it. It’s probably easier for you to envision when and how you’d need financial — and maybe legal and medical — information. But household papers, while straightforward, can be wide-ranging, and shouldn’t be the paperwork equivalent of a junk drawer.

Be it ever so humble, there’s no place like home, and while your home-related papers don’t often shout for attention, they need love.

House drawing created with Microsoft Bing Image Creator

Household Inventory

Both reasons to keep a household inventory require anticipating unpleasantness, so it’s no wonder people avoid the task. 

If your house was the victim of a 100-year flood or if robbers made off with your possessions like thieves in the night (or, the way my car was stolen, in broad daylight!), would you be able to itemize your losses to the insurance company? Unless you live as modestly as a monk, you probably need a household inventory, something that identifies all the non-trivial items in the home and their value.

Unless you live as modestly as a monk, you probably need a household inventory, something that identifies all the non-trivial items in the home and their value. Share on X

The other situation is no less vexing. When a marriage dissolves, the proceedings require both members of the couple creating a marital asset list. This involves not only financial assets like bank and retirement accounts (as well as liabilities, like debts and mortgages), but also tangible assets, like your Grandma’s couch, his replica of the Stanley Cup (not these Stanley cups), and the antique table you bought together.

While a marital asset list requires more complexity than a standard inventory (specifying how it came how it was acquired, whether prior to the marriage, as a gift or bequest, or as jointly-purchased property), it builds on the information in the version for insurance purposes.

Home Inventory Basics

While a future post will review the finer points of creating a household inventory, there are some basic steps to follow.

  • Pair up with your spouse, friend, or a professional organizer so that one person is moving clockwise around the room, not skipping anything, while the other transcribes the information.
  • Consider furniture, wall hangings and free-standing decor, electronics, china, silver, crystal, jewelry, clothing, books, music, and personal effects. Note large furniture/items first, then deal with visible decor, then possessions inside of cabinets and drawers.
  • Log a possession’s name or description; brand name, artist, or designer, its place of origin or how you came to own it, the general date of acquisition/purchase, and the price you paid. (To start, just log what you have; the rest can be filled in later.) Note where in the house the item is regularly kept.
  • Go room-by-room, identifying and logging possessions. 

The fastest method is to type it into a spreadsheet like Excel or Google sheets; if you hunt and peck, and can’t type faster than you handwrite, then designate your inventory partner to be the scribe while you circumnavigate the room.

Create a digital inventory file in the computer (backed up to the cloud), but print a copy for your paper files. (Most clients like to keep a copy of their printed home inventory at the front of their Household files section. You may want to put an additional copy behind your homeowner’s or renter’s insurance policy, in the Financial files.) When you sell or acquire something new, or replace a broken or outmoded item, mark it on the paper copy and just update the digital copy periodically. 

An auxiliary photographic inventory can support your written one. This can range from something as simple as taking photos from a few different angles in your studio apartment and saving them to an “inventory” album in your phone’s photo app to doing a methodical photographic inventory of every piece of art, furniture, and fine jewelry.

The effort you expend should be proportional to the value of your possessions; nobody needs a photo of your curling iron or your wobbly thrift-store shoe rack.

If you decide to keep a combined written and photographic inventory, look at a spreadsheet/database hybrid like Airtable, which is free for up to 1 GB of attachments per base, and 1000 records per base. 

There are also apps to make inventorying your space easier, including Encircle, Sortly, Memento Database, the National Association of Insurance Commissioners’ home inventory app, and more. We’ll discuss these in great detail in a future post.

Beyond the household

Your household inventory extends beyond your physical home. Remember to log your other spaces, such as:

  • Backyard sheds or storage pods
  • College dorm rooms (and summer storage if they don’t bring everything home)
  • College students’ off-campus apartments
  • Off-site storage units (in town, and any you maintain in other cities)
  • Anything on your boat (or, if you’re a fancy-pants type, your jet)
  • Time-shares
  • AirB&B/Venmo properties, second homes, holiday cottages, and other real estate

After you complete your inventories — and it will probably take many sessions to gather all of the information needed — don’t forget to confer with your insurance agent to make sure you’re covered for the replacement value if you suffered losses. You may need to increase overall coverage or add insurance riders for individual pieces.

Home Maintenance Records

Whatever you do to your house likely would benefit from you capturing information about your house. Home maintenance records include:

  • Seasonal household maintenance schedule
  • Contact list of all the household helpers you use, from cleaners and plumbers to the people who clear your gutters, repair your roof, sweep your chimney.
  • Service provider folders — If you have regularly scheduled services, whether indoors, like for pest removal, or outdoors, like lawn care or snow plowing, keep a folder for each company. 
  • List/description of your home’s light bulbs for under-cabinets, in-ceiling lights, and garage and/or outdoor lights. Don’t count on memory to know what base and light type goes where. (This is a lovely parting gift to pass along to anyone who buys your home!)
  • Battery record — Keep a running list of what battery sizes everything in your home needs. Remotes take AA and AAA; toys and gadgets require C, D, and 9-volt; cordless phones use 2.4-volt batteries; personal medical equipment (like diabetes glucose meters) use flat button-style batters, like 2032s. Each time you buy something that requires batteries, log the battery size here. 
  • Family emergency plans and escape routes — Check Paper Doll Organizes You To Prepare for an Emergency for ideas on what to track.
  • Fusebox/Circuit Breaker map — Over time, the labels on your fusebox start to fade. While you should refresh the writing, it’s helpful to have a chart or map to make sure you know what maps to what.
  • Trouble-shooting notes — When your toilet glugs or your sump pump whistles or something goes awry, write down what the experts tell you to do so you’ll prepared the next time!

Depending on the size and nature of your home, this section might require multiple interior file folders in a few hanging folders, or you might prefer to create a 3-ring binder with sections for each for easy access by a babysitter or house sitter. 

Auto Maintenance Records

Even if you only ever use one mechanic shop and they keep computerized records of all maintenance to your car, storing accurate records helps you financially.

Toy Car Photo by Atish Sewmangel on Unsplash

If your car’s manufacturer issues a recall or technical service bulletin, searchable at the National Highway Traffic Safety Administration, you may be able to recoup money you’ve already paid for repairs. Additionally, if you sell your car privately, prospective owners are more inclined to buy cars with a diligently maintained service history. Maintain:

  • Service records — Every time you get an oil change or have a repair done, you should receive a printout of what work was done, on what date, at what mileage. Whether repairs are to the engine or the body work, be sure to request documentation.
  • Purchases — Keep records of all purchases for your car, such as tires, batteries and windshield wipers. 
  • Size list — Unless you naturally remember what size tires or windshield wipers your car needs, writing this down somewhere will make life easier when you’re shopping. 
  • Mileage records — While not essential, if you do maintain mileage records for purposes other than tax deductions (like monitoring your gas efficiency), keep these here.

Don’t just crumple these papers in your glove compartment! Use interior folders for each category in one auto maintenance hanging folders. You may also want to keep a binder with copies of major purchase records (tires, engine parts, batteries, etc.) in your glove compartment or under the seat in case you need to replace an item under warranty while traveling.

Manuals for Assembly, Installation, Maintenance, and Repair

Do you speak Spanish and Japanese? Do you speak them fluently enough to reprogram your DVR or follow instructions for setting up your Wi-Fi network? If you aren’t fluent in the language in which the manual is written, say domo arigato for the service it has provided and arrivederci before recycling it!

If you don’t still own the thing, you don’t need the manual! If you give donate to charity or sell it in a yard sale, provide the instruction manual; if you throw the item away, toss the manual!

Households have a lot of appliances and random stuff. You may have manuals for:

  • Major appliances like your furnace, refrigerator, washer/dryer, etc. 
  • Small kitchen, household, and personal appliances for blenders and toasters, humidifiers or vacuums, or hair dryers — Once you’ve owned the item a month or so, do you really need the instructions? If you can’t make toast, perhaps organizing shouldn’t be super-high on your priorities right now.
  • Electronics, including audiovisual/entertainment devices, computer hardware, and software 
  • Toys and gadgets
  • Furniture — If the manual tells you how to put something together or install it and you won’t ever be disassembling or uninstalling it, the manual may not be particularly useful to you.
A note about warranties

Most warranties aren’t worth the paper they are printed on. They’re either of short duration such that the products all die the day after the warranty expires or you have to jump through so many hoops to ship the product for repair that you’ll probably buy a replacement and not bother. If you decide a warranty is worth keeping, be sure to register the product (per the instructions) and then attach the warranty to the manual.

Organizing the manuals

If you have ample filing space, an interior folder for each of the above categories should suffice, though if any of your manuals are hefty, you might want a few folders for extended categories; if a lot of the manuals are “fat,” you might need quite a few hanging folders. Don’t overstuff!

SURPRISE: Instruction manuals don’t have to live in your regular personal or family file system! 

Depending on the number and nature of the appliances in your home, you might use a three-ring binder with all of the kitchen appliance manuals (in sheet protectors). Don’t waste valuable kitchen counter space; just tuck the binder somewhere accessible, like the cabinet above your stove exhaust. Keep hardware and software manuals in magazine holders on the bookshelf nearest your computer.

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It’s tempting to keep any paper related to your home just in case, but that leads to clutter. Ask yourself:

Why/when would I need this paper? 

What’s the worst that could happen if I no longer had this manual? Most manuals are available online. When Paper Mommy bought a new TV last year, there was no paper manual, so we just Googled the make and model, and found the instructions online.

Check these classic Paper Doll posts for advice on downsizing and organizing your manuals:

YouTube is full of helpful videos, and web sites offering online user and repair manuals, like Fix It Now, SkillCat Appliance Manual Lookup Tool, and User’s Manual Guide abound.

There are also apps for finding digital versions of manuals, like The Lost Manual, which you can browse by brand or item category. 

Decorating/Remodeling Plans 

If all those HGTV remodeling shows give you joy, make room in your filing system for:

  • Project notes and plans for decorating and/or remodeling
  • Project budgets
  • Swatches of upholstery and paint samples
  • Receipts — Generally, all receipts go in the Financial files. However, once the current tax year has passed, if these receipts don’t fit your “big ticket item” file needs, they may still be useful for identifying where you purchased items you might need repaired, replaced, or augmented. 

Gardening Records

Are you an out-of-doors person? Paper Doll is decidedly in-of-doors. However, if your yard includes plants, shrubbery, or heirloom flowers or you have a vegetable garden for which you need to maintain adequate rotation records year-after-year, make a few interior folders for a gardening  hanging folder. (Digital files or apps are equally fine. This is a low-stress category!)

PERSONAL FILES

We are all guilty of keeping excess personal papers out of habit. Maybe some secret part of us imagines we’ll be asked to provide resources for our biographers someday? Perhaps we fear our memories will fail in our later years. (But will memories of having earned Most Valuable Player in 8th grade soccer matter to us in our 80s?) Paper Doll won’t judge you, but make things easy on yourself and those who will come after by making your personal files orderly.

Break down your family’s Personal section by individual (just as we did last week for Medical); each person’s records are divided into items of personal history and personal interest. If your entire family has specific activities or pursuits (like attending your house of worship or planning an annual family reunion), create a “family” section as if the collective family were an additional family member.

Personal History

These represent who you were and are. Each sub-category can generally go into its own interior folder.

Educational History

The older you are, the less important these documents become for use in the outside world; it’s up to you to determine how much you value them for personal use. 

  • Academic transcripts
  • Standardize test scores (SAT or ACT, GRE, GMAT, LSAT, MCAT)
  • Letters of recommendations from professors or academic mentors
  • Select academic papers — If you have your diploma, I encourage you to toss anything that doesn’t make your heart sing. Unless you wrote a brilliant blue book essay or world renowned paper, only keep what bolsters your self-esteem (and only until you no longer feel the need for extrinsic rewards).
  • Continuing education credits or certificates
  • Your senior or graduate thesis (If it’s bound and published, display it on your bookshelves or coffee table. Great job!)

Toddler Graduate created with Microsoft Bing Image Creator

Professional History

The longer you have been in your profession, and particularly the longer you have been out of a the workplace altogether, the less you need. Keep whatever records your profession requires; for everything else, pare things down to just what is truly meaningful. These may include:

  • Licenses and/or certifications — Only keep expired ones if your profession or insurance requires proof of prior licensing.
  • Resumes — Modern resumes are designed to be read by algorithms and are so different from what GenX or Boomers recall. Your LinkedIn is probably more accurate. Keep only what allows you to identify dates and locations. 
  • Professional letters of recommendation or of gratitude from clients, customers, superiors, or vendors. (Again, this is just for warming your heart.)
  • Citations of bravery or success
  • Newspaper clippings (but not the entire newspaper or section) noting your professional successes, wisdom, or acumen.
Military History

Basic military service records go in the VIP section of your legal paperwork; things like your separation paperwork allow you to prove your service record and collect VA and financial benefits. 

However, your military history also includes the more personal records of your time in the service. You may choose to maintain:

  • Enlistment records
  • Training and qualification records
  • Copies of your military separation papers (the originals will be with your VIPs)
  • Citations, decorations, and awards, along with copies of written references submitted in support of you earning them. 
  • Letters of commendation
  • Correspondence regarding replacement of medals

Toddler Navy created with Microsoft Bing Image Creator

Public Service History

Maybe you served in the Peace Corps or Teach for America. Are you a Big Brother or Big Sister? Do you hammer for Habitat for Humanity? Perhaps you’ve been involved in local or national politics or held leadership roles in your community. If you have documents or clippings that are meaningful to you, and which you will revisit, keep a folder of these.

PERSONAL INTERESTS

Generally, anything that brings you joy, delights your intellect, or warms your heart or soul falls under personal interest.

However, my advice on the personal interest category has changed so much in the 16 years since I began blogging. Nowadays, most of what you save is no longer clipped from tangible newspapers and magazines but from the internet, using the “web clipper” applet for Evernote, OneNote, Pinterest, or the bookmark or “save” feature in your social media accounts.

Pursuits

That said, if you do have documents and papers related to your physical and intellectual pursuits, you can make interior folders for these general interest categories.

  • Hobbies —  Keep only the reference material that provides information you don’t already know or can’t access quickly via the web.
  • Volunteer activities — Keep ID badges or registration materials you’ll need, plus memorabilia that is deeply meaningful to you.
  • Memberships — Unless you’re a member of a secret society (oooh, cool!), most of your materials will be digital. Be discerning about what you keep.
  • Issues/Interests — Read, purge (or share), and move on. Before you clip something tangible, Google the title to see if there’s a digital version you can save. (Unless it’s a photo of George Clooney; don’t toss photos of George Clooney. This is still a civilization!)
  • Genealogy — For expert help with this, see Paper Doll Interviews the Genealogy Organizers.
  • Travel — Travel magazines still abound, so if you are planning a trip using tangible resources, keep a folder for each location, but understand that the 21st-century world changes quickly. Verify the hours of operation of restaurants and sights via the web.
Success

Bask in tangible proof of personal successes. You’ll get no pushback from Paper Doll if you save letters of gratitude or praise, benchmark chips (30 days, 1 year, etc.) from 12-step programs, or anything that reminds you of challenges surmounted. We all have rough periods, and a success file can help us through them. (As mentioned this before, keep a Success folder or tag in your email for the same purposes.)

Correspondence

Save real correspondence that contains valuable information or emotional weight; part with cards penned by Hallmark containing only a scribbled signature. 

Inspiration

We GenXers posted magazine clippings on the inside of our high school lockers; we graduated but never stopped clipping! Sadly, print magazines have gone the way landline phones. If you come across print materials that stir you to think, write, create, or dream and really will review your inspiration folder, have it it. But please consider just saving it to your photo app.

Humor

Before the internet, people used to photocopy jokes (and then photocopy the photocopies) and cartoons; it was the precursor to sharing memes and reels on the web. A shocking number of people still have piles of those old jokes and giggle when they come across them while sorting piles of clutter. In a perfect world, I’d have you scan them to an album in your photos or upload them to a notes app, but you probably won’t do that. At least gather up your tee-hees, toss what’s offensive or outdated, and keep a folder labeled Funny to flip through on days when you’re feeling down.

While this ends our Reference File Master Class series, we will be examining classic Paper Doll topics, especially file-related, throughout 2024. 

For reference (no pun intended), the entire series can be found at the following links:

 

Reference Files Master Class (Part 1) — The Essentials of Paper Filing

Posted on: January 15th, 2024 by Julie Bestry | 9 Comments

COPING WITH PAPER OVERWHELM

After last week’s post, Paper Doll Shares 12 Kinds of Paper To Declutter Now, I had a number of readers mention to me that while knowing what to get rid of helps them deal with their paper piles, they were still sometimes at a loss as to what to do with the rest.

Some fear they should be scanning everything to keep it digital, but don’t even own scanners. Others feel frustrated because even when they’ve arranged to get (and pay) their bills digitally, they still have paper coming to them. Many people feel at odds with the 21st-century pressure to have digital records, and don’t particularly feel adept with handling papers digitally. (They forget to look at email until it’s too late, or they never get around to scanning, or information just doesn’t seem “real” to them if it’s not in tangible form). 

Over the 16+ years that I’ve been blogging as Paper Doll, I’ve tried to get across that whether you use analog or digital techniques — whether for paying bills, or keeping track of your appointments and tasks, or filing or archiving your information — doesn’t matter. That is, the method doesn’t matter; the commitment to a system is what is most important.

But 16 years is a long time. Babies born during the launch of my first Paper Doll posts are old enough to drive! To give you a sense of how long ago that was, Desperate Housewives was still a top-10 TV show (and people were still watching broadcast television). The top song was Crank That (Soulja Boy) and we were all trying (and mostly failing) to do the dance.

I originally wrote about the elements of a reference filing system in the first month of Paper Doll posts, back in 2007. It’s time to revisit the topic, see how digital solutions do (and don’t) help with the paper overwhelm, and introduce new readers to the best ways to manage paper.

Over the next several weeks, we’ll be taking a fresh look at how eliminate the frustration of paper files.

The Ice Cream Rule

The key to making any system work is just that — a system. That means having a location where something belongs and behavioral rules to get them there. I often refer to this as the Ice Cream Rule. If you come home from the store with two bags, one holding a half gallon of cream and one with a package of toilet paper, which one will you put away first? And where would you put them?

Even people who insist that they’re terrible with systems laugh and admit that they automatically know to put the ice cream away first; they recognize that they’ll end up with a melted mess if they do not.

They also have no worries that they’ll put the ice cream where they won’t be able to find it again — in the cupboard or the pantry — because their system not only includes behavioral cues (ice cream before toilet paper), but a geographic location (that is, the freezer) where the ice cream belongs.

Yes, people may drop the bag with the toilet paper on the kitchen floor, or hang it on the linen closet door, or actually put away the toilet paper in the bathroom right after getting the ice cream in the freezer.

Admittedly, the behavioral part of putting away non-urgent items isn’t perfect. The squeaky wheel gets the oil, and when it comes to putting things away properly, ice cream’s urgency is squeakier than toilet paper. (That said, the retrieval of ice cream is likely to be less urgent.)

A HOME FOR YOUR REFERENCE FILING SYSTEM

The point, and I do have one, is that to create order with the paper in our lives, we must ensure that we know exactly where everything goes. How? Filing papers is easy once each item is assigned a place to live. All of your reference papers need to have a home.

Keep in mind, that home does not have to be a palace. You certainly can invest in filing cabinets. These range from bargain 2-drawer metal filing cabinets to office-style 4-drawer tower-style cabinets.

If you prefer lateral filing cabinets (where you stand to the side of the open drawer, rather than in front of it), there are a variety of styles and materials from which to choose.

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However, if you’re new to the process of getting your files in order, or if you’re trying to revamp an old, ill-fitting filing system, I encourage you to start fresh with something portable and accessible.

I’ve always preferred to maintain my files in Sterilite plastic milk-crate style filing boxes, which rarely run more than $7/each. They have internal hanging file rails, usually accommodating both letter- and legal-sized files, are stackable, and come in a wide variety of colors. 

Clients are often surprised that I prefer milk-crate style filing boxes to alternate styles, like transparent, lidded filing bins (which tend to warp over time and don’t have secure handles for making them easy to carry).

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 I also prefer the crates to portable file totes with lunchbox-style handles.

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These can be fine if you have a very small number of files, as may be the case if you’re in college or just starting life after school. But most individuals, and definitely families, find that their paper in the five main reference file categories is too much for one box to handle.

Additionally, it’s been my experience with client files that the handles of overstuffed file boxes tend to break off from the lid. Sometimes, that causes the lid to pull open, and files to spill across the floor. That’s almost as bad as melted ice cream!

Of course, if you move homes often enough that protection and coverage of your files is a concern, handled totes are at least better than flat-lidded tubs. But unless portability in the outdoors is an issue for you, given the price of totes (often $25-30), I still lean toward using crates. Your mileage may vary. 

SIDEBAR ON ACTION VS. REFERENCE FILING

Please note that this post and the forthcoming ones in this series all address reference files, papers we put away for when something in our lives trigger us to go looking for them, unlike action papers, where the information (due dates, inquiries, etc.) on the papers themselves trigger us to use them.

Action papers tend to get stuck on refrigerators or bulletin boards, or in the file risers on desks, though longtime Paper Doll readers know that for action papers, I recommend a tickler file, something with 31 slots for the days of the month and 12 slots for the months of the year. 

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Every piece of action-oriented paper gets assigned a day to either begin action or consider it; as the tickler file is consulted daily, nothing action-oriented falls through the cracks. 

For more information on using a tickler file to organize your action paperwork, I refer you to my classic ebook, Tickle Yourself Organized.

FILE ORGANIZING ESSENTIALS

To get your personal/family reference files in order, you just need these basics:

A Container for Hanging Folders

For pure reference files that you’ll be dipping in and out of, follow the cabinet, crate, tub, or tote suggestions above.

If you’re holding onto archived files — papers for a closed company, a project long-since ended but for which you have to maintain records, tax folders from more than a decade ago, etc. — Bankers boxes (flat-packed boxes that require no insect-attracting glue) are an excellent option. Avoid random liquor store or Amazon boxes, neither of which are suited to the purpose of long-term, vertical paper storage.

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Hanging Folders

The standard hanging folder is an Army green color that has never won any awards for aesthetics, but you’re likely to find that they’re the least expensive. That said, hanging folders are manufactured in a variety of colors. You can pick one color for all of your files, or (although I don’t recommend it), you can color-code the five main categories of your reference filing system.

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The standard hanging folder has two metal or plastic rods. The more modern rods are plastic, glide more easily on file rails, and are sturdier and less likely to rip away from the paper wrapped around them. However, they tend to be more expensive than the generic, Army-green basic-rod folders.

Smead and Pendaflex have long been the go-to names in hanging file folders (as with interior folders, below). I think the key is to look for the word “reinforced,” such as with the Pendaflex SureHook Reinforced Hanging Folders, which not only have the plastic rods with tension springs, but also polylaminate strips across both top edges around the rods and along bottom fold for increased durability.

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Traditionally, we recommend hanging files like the versions above. They’re expandable (up to a point) though I rarely put more than two or three interior file folders in each hanging folder. There are also 1-inch and 2-inch box-bottom hanging folders (open at the sides, like regular hanging folders) and hanging jackets (closed, with accordion-style side-gussets).

If, even after a serious culling of excess papers, you have catalogs, guides, or thick folders (such as for legal depositions or technical manuals), you may choose one of these options, but they’re not  usually necessary for standard filing.

Lastly, don’t worry about tab-related bells and whistles for hanging folders. Most come with the traditional hard plastic label tabs that you can insert anywhere along the horizontal strips covering the metal or plastic rod. More modern hanging folders have fold-up or pull-up tabs you can label; these are often erasable. 

I’m a big believer in concentrating your labeling on the interior file folder tabs themselves. Because the basic personal/family file system only has five overarching categories (as explained at the bottom of this post), if your interior files are well-labeled, hanging file labels are mostly extraneous.

Over the years, many of the clients I’ve encountered who had struggle with filing chose to only use hanging files without any interior folders — and they hated filing. No wonder! Hanging files weren’t designed to be precisely categorized folders for documents, but staging areas or category markers for general sections of files, to hold interior folders.

I tell clients to think of hanging folders as warm winter coats (an apt metaphor today, given that much of the country is experiencing blizzard conditions) while the interior file folders are more precise, covering specific topics (much like shirts cover the top half of your body, trousers the bottom half, and socks and shoe cover your feet). 

Alternatively, think of paper as having a clothing storage analogy: you have a house, in which you have a bedroom closet, in which you have rods and closets, on which you hang clothes on specific hangers and fold into specific drawers. Similarly, you’ll have filing cabinets or boxes, in which hanging folders will hold interior folders, which are filled with individual papers.

File Folders (Also Called Interior Folders)

For clients just getting started with filing, I encourage using plain 1/3-cut manila folders and not to bother with fancy or obscure tabbing systems or lots of different color combinations.

It’s not that you shouldn’t buy a colorful assortment of folders, per se (though they do tend to be more expensive), but that they introduce a layer of complications.

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Let’s say you intend to color-code your files, and you decide that all of your financial folders will be green. What happens when you open a new financial account but have run out of green folders?

Are you likely to notice you’re running low on folders and order in advance? (If you’re like the typical person struggling with organizing paper, the answer is probably no.) Are you really going to jump up right after your current organizing session to run out and get green folders. (Again, probably not.)

So, depending on your style, you might create a folder in a different color, messing up the color-coded system you decided to use (against my persnickety advice), or more likely, you might not stash those papers in any folder at all, planning to attend to them “someday,” which we all know is not a day on the calendar.

As for 1/3-cut, that means the folder tabs are on the left, in the center, or on the right. (Note: if you run short on left-tabbed folders, just turn a right-tabbed one inside out, or vice versa, and you’ll have what you need! Obviously, center-tabbed folders remain the same.)

Some clients experiment with other tab styles. While they’re less common, there are 1/2-cut file folders, sometimes called half-tab folders; the left tabs take up the left half of the folder, the right tabs take up the right half, offering a larger space for labels, like so:

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This is mostly a stylistic choice, but you are much more likely to be able to quickly replace your 1/3-cut folders with more 1/3-cut folders than to easily find 1/2-cut folders anywhere but online.

Similarly, there are also straight-cut file folders with just one tab running the entire length of the folder. They do provide the maximum space for labeling, but that’s not usually necessary for personal or family files. Again, this is stylistic.

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Finally, I will caution you against 1/5-cut file folders for functional reasons. As you might guess, those have 5 tabs — one on the far left, interior left, center, interior right, and far right. The tabs on 1/5-cut file folders are just too small to label meaningfully. You will be frustrated by these.

If you’re starting from scratch or doing a major file overhaul, buy a box of 100 folders.

Label Maker (semi-optional)

Paper Doll has terrible handwriting. This wasn’t always the case, but the longer I predominantly create using a keyboard, the worse my penmanship gets. If your writing is legible, you can probably get away with using a nice, thick Sharpie to label your folders.

However, I think everyone benefits from using the teeny bit of technology afforded by a label maker. Even if you have good penmanship, the formality and uniformity of a label maker makes a label seem “official.”

For people who are already inclined to keep up with their filing, it probably makes little to no difference. But if you’re tempted to run away and join the circus rather than file away even a small stack of files, anything you can do to make the task more appealing is going to help. That means having “nice” folders (rather than erasing and re-using folders that have been jammed in drawers, stomped on by the dog, or stained by spilled coffee).

Similarly, having labels with crisp, dark text on a white background, in a uniform font, and preferably in all-caps, makes it more likely that you’ll take your filing seriously and pop papers where they belong. 

The big names in label makers are Brother and Dymo. Professional organizers are pretty split on their strong loyalty to one of the two, and I’m no exception. I prefer the Brother line of label makers for intuitiveness and ease of use. If you’re hoping to either start a brand new system or refresh the one you have, begin with a label maker with an easy learning curve, like the PT-70MB Personal Handheld Labeler. It’s light-weight, has 54 font combinations and two-line printing, and usually runs only about $20.

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For anywhere from double to five times the price, you can upgrade to a version with added options, like Bluetooth connectivity, increased font sizes, increased memory, and number of printable lines. Start off simple, and if you really crave something with more oomph once you’ve mastered the basics, you can pass the basic one along to your teen or donate it.

As we go along in this series over the next several weeks, we’ll talk about how to label your files, but the primary concerns will be clarity, specificity, and consistency. 

Finally, where applicable, we’ll be talking about how, if you prefer to organize your information digitally, you’ll want to make sure your labeling system for digital files matches your system for paper files.

Binders (optional)

Some clients have three-ring binders on-hand and plan to use them for their filing system. They quickly come to realize that the more friction — the more added steps — the less likely they are to actually file their papers.

The more friction — the more added steps — in your filing system, the less likely you are to actually file away your papers. Make your filing system attractive and easy to use. Share on X

That said, for most of your personal and family papers, using interior and hanging folders will be the simplest way to handle your filing. Match the piece of paper to the right file folder, pop the paper into the front of the folder (using reverse chronological order filing) and you’re done!

Voila!

However, to put papers in a binder, you have to find your three-ring hole punch, punch the holes, open to the labeled section of your binder (because binders will necessarily encase multiple sub-categories), pop-open the rings, insert the paper, close the rings, flip all the paper to one side (or else a full binder won’t close) and close the binder. See? Friction!

And that assumes you won’t pinch your fingers, which is quite the optimistic assumption.

That doesn’t mean binders are never useful. For example, for financial filing, I tend to encourage binder-loving clients to save binders for investment portfolio filing where the portfolio management company tends to send thick stacks of dozens of papers monthly or quarterly. Often, these management companies pre-punch the stacks, making for slightly less friction, and sometimes even provide binders with pre-labeled monthly tabs.

Binders can also server purposes for creating household cookbooks or for building portable family medical documentation. As we go through the next several posts, I’ll note where binders may be good alternatives to file folders.

A RE-INTRODUCTION TO THE FAMILY FILING SYSTEM

Since 2007, I’ve been talking to readers and clients about the family filing system for all of a household’s reference papers. You may have a three-generation family of seven or your household may just be you (and the voices in your head singing harmony with you when you belt out Taylor Swift while filing). 

There are no rules legislating where you keep your files. A home office is the most logical place, but if you live in a studio apartment or the only area not overrun by your children or furry friends is the kitchen desk file drawer, so be it. Keep your files where it will easy to put papers away and just as easy to get them out again.

You need good (enough) lighting to read your labels, and you (and the rest of the household) needs to not pile random household stuff (pizza boxes? stuffed animals? dry cleaning?) on top of your filing home. Otherwise, pick an area that makes you happy.

The best personal or family filing system is one offering simplicity and ease of access. You need to be able to keep related papers together. To that end, I teach that all of your personal or family reference files will fall under one of five main categories:

  • Financial
  • Legal
  • Medical
  • Household
  • Personal

Over the course of the next several posts, you’ll see that everything for you, your family, and your household will fit in these categories. “Miscellaneous” is a thing of the past!

For reference, the entire series can be found at the following links:

 

Affiliate Disclosure: Some of the links above are affiliate links, and I may get a small remuneration (at no additional cost to you) if you make a purchase after clicking through to the resulting pages. The opinions, as always, are my own. (Seriously, who else would claim them?)

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