Paper declutter today, after answering a question for a friend about a windfall she received (back pay on a disability account that was approved) and how to go about some future purchases. First things first, give a little time after her bills are all paid off to let her credit score rise and establish a pattern. I was looking for past credit reports of mine to show how soon a windfall affected my score and trying to give her a timeline. Wading through those records revealed a number of old loan documents to shred (they went out in the trash this morning).

I've been here for 20+ years and occasionally change utilities (power, internet, cable, etc.) so leaving bread crumbs helps. Every two years I change my electric company to get a new customer discount, and the best rate comes with auto pay. I spent the morning going through records to put a few sheets in the file so I can see when I changed and to what, and made sure that the old account was no longer going to send any more bills.

It's a warm sunny day, time to step away from the computer and get outside.