Imagine if you had all your important household information all in the one easy-to-access spot, so you didn't have to go searching through piles of paperwork around the house to find what you needed. A household [or family] binder will help relieve you of this stress, and is one of the greatest time-saving devices for getting through those more mundane tasks. Today I'm sharing the recent changes I made to ours, as well as 4 free binder printables to help get you started on your journey to organisation, and have a calmer approach to tackling household paperwork.
Essentially, a household binder is a holding place for all the important information you accumulate in your life, such as account numbers, passwords, phone numbers and policy numbers. It keeps everything in the one spot, meaning you don't have to go searching through the house every time you need to access those important numbers. This information can come in useful when:
- you're filling out a form for your child's school or kindergarten
- you're filling out a form for work
- you need to ring a utility company and have to quote your account information
- you need to change or update policy information
- you're making a medical appointment
- your banking details change and you need to make different companies aware of this change
I'm slowly going through the binder to update each section, but for now I'm focusing on the first section as it gets used the most, and is by far one of the biggest time-savers in my daily life. Here's a recent example of how it saved me major headaches!
I've spoken before about how we keep track of our finances, and rather than having to remember to pay monthly bills, we instead get almost everything direct debited. With this system, a nominated amount is deducted each month, which is decided upon by the individual company by averaging your yearly spend. Some months you are in credit, some months you are in debit, but it usually all evens out (or you can add extra one month if you're a bit behind).
The set-up it is reviewed once a year so you are always be on track with your bill payments. The thing I absolutely love about this system is that I never have to think about paying a bill, or remember to get a bill paid on time. Everything is on auto-pilot, which just makes the whole banking process so much easier and less of a time-suck. I highly recommend it!
We have this direct debit system set up for gas, electricity, water, rates, home and car insurance. We also get our mobile phone and Internet bills direct debited each month according to whatever the cost is (usually fixed each month). As some of you are aware, we are currently in the middle of a major renovation, and as a result, we've had to make changes to our mortgage. We ended up finding a better deal at a different bank, which meant I had ring all of these different companies to update our details. #painful.
This meant I had to have all of our account information and passwords handy. And what totally saved me? My household binder! Every policy number, phone number and password I needed was already recorded in here, so it was just a matter of going to the relevant location i.e. 'utilities' and finding the necessary information. An unbelievable time-saver!
Although we do have a great filing system set up, it would have been a pain to have to go through all our documents to find the relevant info. Plus it would have meant going back to our house, which has stuff EVERYWHERE, and trying to hop in amongst the furniture to find each document. Having all the important information in one spot saved me a whole lot of time and effort!
I needed to make some updates to our original binder pages, so I quickly created some new printables. Let's take a closer look at the finer details of these pages, which you can grab for free on the button below to start creating and organising your own household binder today!
The categories include:
- Medical - doctor, dentist, hospital, ambulance, private health insurance and medicare numbers
- Utilities - electricity, gas, rates, water, internet/cable, mobile phones
- Insurance - home & contents, life, car(s)
- Other important information - passport numbers, centrelink information
- Password tracker - the various websites for which you have different usernames and passwords
I had all the information already recorded in my previous binder so it didn't take long to fill out the new pages and pop them into the front of the folder. (Go here to see how I've set up the other sections).
If you've never set up a household binder before, it will take you a little while to find all of your account numbers, phone numbers and relevant details and record everything. But once it's complete, you've got all the information handy whenever you need it....and believe me, you'll need it!
You should keep your household binder in a useful location in the house, such as in a family command centre if you have one, or wherever you keep incoming paperwork, as you'll likely need to reference it often.
If you're worried about all your important details being in such an accessible location, you might feel more comfortable storing it in a home office or bedroom. I kept our household binder in our family command centre, although we'll be looking to create a new set-up within our living area when the renovation is complete - I'm itching to get started on it!
Are you ready to start setting up your household binder? Let me know how you go with it, and if you find it a good time-saving device!