Almost every day, I find 3-8 solicitations in the mail, that are tied to my age/approaching retirement. Every one of them is designed to separate me from my money.
- Medicare ads
- Hearing aid offers
- Insurance ads
- Financial planning ads
- Mortgage refi offers
- Retirement property/retirement community flyers
I generally junk most. A few I put into a folder, to be looked at when the need arises. I wonder what percentage of the senior population acts on these offers.
I've divided my mail into groups:
- Current bills - they go into the slotted dividers, to be acted on/paid when due
- Information - two types
- Tax info - in the box to be taken to the accountant after the first of the year
- Long-term information - put into folders, and file away until needed
- Junk - toss/shred and toss
- Personal - my choice
By far the biggest group is junk. I resist the temptation to load up on debt by immediately tearing the credit offers into pieces.
The same with receipts. They are either important, and can be filed/put into the Tax box, or unimportant, and can be tossed. By handling them immediately, I eliminate a source of clutter.