Tuesday, April 23, 2024, 8:56 p.m.
Invoices, contracts or deeds are basic documents that over time can accumulate in drawers or filing cabinets. Although, currently, it is much more common to opt for the digital format, there are those who still prefer to have them physically in their home. However, when you see so many papers, you may have the impulse to throw them away thinking that they will no longer be useful.
An example of how being proactive can avoid disappointment is the length of time the Income Tax Return must be kept. It is advisable to do so for at least four years, the period it takes to prescribe from the end of the voluntary submission period. The Organization of Consumers and Users (OCU) has explained how long you have to keep them depending on whether they are invoices, contracts, deeds, etc.
Tickets and invoices
This document proves when we acquire an object or product and is also the guarantee. Therefore, you must keep it for at least 3 years, since in the event of a problem, if it does not occur, the right to complain could not be exercised.
As long as you are the owner.
It is advisable to keep, as long as you are the owner, the invoices for furniture, large appliances and electronic devices, jewelry and valuables, collectibles or proof of works and improvements carried out in the home… This way you will be able to demonstrate the damage suffered to the insurance in the event of theft or accident.
Insurance policies and additional documentation
You might think that once the contract has ended it is no longer necessary to keep them at home, but the truth is that it is advisable to do so up to two years after it expires, especially if you have made a claim. You must also keep the documents or cancellation notifications, which prove that you communicated to the company in due form and on time your desire to terminate the contract, in case they decide to issue you more invoices.
When it comes to personal insurance, such as those that cover death, disability, savings, health, accidents, deaths, it is best to do it up to 5 years from the end of the contract.
Rental contracts
Unpaid rent expires after five years; Until then you must keep proof that you paid it. The OCU also recommends keeping the inventory that shows the state of the house when entering and leaving, the deposit recovery document, etc.
Title deeds
These documents accredit us as owners of assets. You should always keep them with you as long as you maintain ownership of the asset. In fact, these types of papers are necessary if you are going to transmit the asset.
The same applies to proof of purchase and payment for a home, its plans and quality reports, as well as invoices for repairs or maintenance operations on a car.
Payment documents
It is advisable to keep any proof of payment that serves as proof that we have complied with our payment obligations, that is, receipts for payment of a debt, mortgage, fine, or tax, at least during the statute of limitations. that establishes the law.
Academic and professional documents
Keep the degrees or certificates that demonstrate completed studies and any other academic documentation.
Work contract
Professional documents should be kept at least until the right to a pension is recognized.
Work life certificate
These certificates should also be kept at least until retirement or until the right to a pension is recognized.
Health documents
Health documents must also be kept. Although a blood test or x-ray has limited medical validity, the OCU notes that it is a good idea to preserve diagnostic test results and anything that may be useful to health professionals in the future. Also information related to interventions and discharges, analysis.
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