Financial papers

Those you can typically keep for a year or less and then shred include: Bank deposits and ATM receipts (keep until you reconcile with monthly statements); credit-card bills (unless you need to prove a charitable deduction or warranty); insurance policies (keep until your new policy comes); monthly investment statements (shred when new statements arrive); pay stubs (keep until you reconcile with your annual W-2 form); and receipts you're not using to itemize tax deductions or return merchandise.