smart spending

7 steps to clean up financial clutter

Deposit negotiable instruments
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Some people like to keep stock certificates, government savings bonds, uncashed checks and the like in hand because having the actual documents gives them a sense of financial security. The downside is that these documents are at risk of being misplaced, damaged or destroyed. To create more order, deposit securities and other negotiable instruments into a bank or brokerage account or keep them in a safe-deposit box. Make sure someone close to you knows where your assets are held or stored.


 

 

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