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Once the payment has appeared on the bank statement, and assuming it is not needed for warranty purposes, is there any point in retaining the receipts?
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If you mean the copy voucher, no.
Seller receipts are probably not essential in law but can make life easier if you need to return something or have a problem with a purchase (is my view).
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Ours are shredded after they're checked against the relevant statement.
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Sometimes I do, depending on the purchase, because:
1, the one liner on the bank statement isn't always that specific
2, with my internet banking, you can't always easily print older statements (although a phone call sorts it).
Although the only thing recently I've had to sort out under warranty was an electric toothbrush, couldn't find the receipt, but printing my old order off Amazon sorted it.. and in any case Braun can check how old the device is by the serial number.... so maybe you are right.
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I'm not inclined to keep any bits of paperwork longer than vital, but Mrs C keeps stuff for years in boxes all round the house. She gets it from her dad. We had a conversation once about when they had gas put in to the village. He said it had been about thirty years ago. After a moment he left the room, and was back in less than two minutes with the original bill...
On occasion of course I've been grateful as I suddenly discover I really DO need that insurance certificate or something, and she goes "here you are".
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We have (still) receipts going back to 1982,,,,..
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>> We have (still) receipts going back to 1982,,,,..
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You must have a large house.
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>> >> We have (still) receipts going back to 1982,,,,..
>> >>
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>> You must have a large house.
Hes a tight wad who hasn't spent anything.
For stuff of value, that has a warranty that might be important, you need to keep proof of purchase of some kind. Also for insurance reasons.
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>> For stuff of value, that has a warranty that might be important, you need to
>> keep proof of purchase of some kind.
>>
I've also found it useful on items that come with extended warranties because of some offer or another, to snip the bit off the original packaging that actually mentions the offer - which is likely to be short-term and soon forgotten, and keep that with the till receipt.
I've had difficulties in the past when trying to return defective goods to DIY sheds, with only my word that the said item was sold with a 5 year warranty.
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Scan and file anything which you might need n years from now.
Obviously there is some stuff you need a hard copy of, but not much.
Last edited by: No FM2R on Sun 20 Sep 15 at 15:43
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>>Scan and file anything which you might need n years from now.
Ideally, agreed. But I'm entirely at a loss as to how to make it sensible and searchable. Paper may take up more room, but if you'll ever want to look at it then it's much faster to print it out and put it on a file than it is to save it somewhere.
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Hm....when I lost my first wife, one of the manifestations of perhaps some mental health thing was that I obsessively kept debit/credit vouchers - indeed emptying trouser/coat pockets always netted a dog-pooh bag and some of the vouchers. Not so obsessive these days about either artifact.....still you never know
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I keep all my debit and cc receipts. After a trip I may have accumulated a fair few, and when checking my card and current account monthly statements might put them all in a clear A4 sleeve. I'm anal about a lot of paperwork,probably because I had a set of bookkeeping accounts for each small retail store I owned in a previous life.
My ex otoh never checked her monthly statements, either cc or current account. Same with my broker trading accounts. ( not a lot as P Daniels would say) would I keep an online eye on them at least twice a week, especially the speculative stuff. If only to see how much they've lost before they hit the stop loss!
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>>I'm entirely at a loss as to how to make it sensible and searchable.
There are clever tools which allow you to use the metadata, but I just use a naming convention in the filename...
e.g.
[date]-[document type]-[text with helpful words]
2015-09-21 - receipt - tyres for landcruiser
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This is an excellent naming convention. If you decide to use it do make sure you go year-month-day as anything else will shuffle things for you.
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Debit and Credit card receipts - Manatee
