National Endowment for Financial Education The Adoption Exchange
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Organizing Financial Records

The basis of good financial management is keeping track and knowing what and how your money comes in and what and how your money goes out.

On a regular basis, you collect and generate financial information, and there is usually some paperwork or electronic image to support your financial transactions. These include:
  • payment stubs
  • bills
  • receipts
  • insurance policies
  • social security claims
  • check registers

Keeping your records in one place will help you be ready to take action when you need to; you won’t be confused or distressed about wondering where certain pieces of information are located. Organizing records is best done on a consistent and frequent basis, not on an emergency basis.

Your financial records system can be maintained in files in a specific storage container. Files could include:

  • bill payments
  • checking account records
  • cost-of-living expenses
  • income records
  • insurance records
  • loan and credit records/receipts
  • receipts and warranties
  • Social Security
  • special expenses related to adopting
  • communications
  • telephone logs
  • home visits
  • E-mail messages
  • faxes
  • recalling information you receive, recalling information you give; reconstructing the sequence of events

Your financial records system also can include electronic files. Using a bookkeeping software program is a method for not only keeping track of financial information, but generating specific reports to help you organize and manage all that financial information. (Be sure to back-up your computer financial data regularly.)

As an adoptive parent, you also will have a paper trail of adoption documents to keep readily available:
  • agreements
  • birth certificates
  • immunization and health records
  • Medicaid coverage
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