What are you guys using to keep your account #s, usernames, passwords, bills, insurance, account information, other personal contract documents all organized? Are you guys mostly using excel or one note and just adding a password to add some semblance of security to that information? Going over some of my personal stuff and feel like I'm drowning trying to stay on top of all of my accounts and bills. Any suggestions for software to better keep on top of all of this?
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Regarding passwords and accounts, I would highly recommend you invest in a password manager. It is so much more secure and some of them (like LastPass) give you some secure storage space to upload sensitive documents to, etc. Some options that come to mind are LastPass, Dashlane, 1Password. Many other free options out there as well.
Thanks I appreciate it. I'll check out LastPass. Even as much as it's keeping up with the passwords, it's also just what all do I have under my umbrella. I used to be really diligent about keeping up with my PA, Roth IRA, various 401k's I've collected after job hopping a bit, a couple of deposit accounts, 3-4 different insurance policies, probably another 3-4 bills/utilities that I'm on a 12-month contract for. Add in another half dozen miscellaneous items like WSJ subscription, the athletic, netflix, hulu, etc. and it just became exhausting to keep up with all of it continuously. Luckily I make enough to absorb the expenses but I know I could reduce some overhead by either cutting some of this completely or by shopping around for things like my auto insurance or cable plan. But still need to find a way to keep all of this organized with less effort.
Just save in my iPhone and pray those MF’ers don’t make me reset password every 2 weeks
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I just use the same password for literally everything. Life's too short to be worrying about passwords and considering I've made it to the triple digits while still running the world's most advanced power plant, I'd say it's worked out pretty well. (joking aside, I was actually serious about the first part)
Definitely the same way. Everyone cautions on how bad of an idea that is, but given the fact that you've got to create an account for damn near everything I just can't come up with that many unique passwords. Even using iphone's native password saving I'm out of luck if I try to log on to my laptop.
I've given up on trying to outsmart people with a clever password and I simply monitor activity. I get alerts via text or email every time money comes out of my accounts. I use the same password for most things and for the ones that make you have 14 characters or whatever, I just save it on my iPhone. hackers these days are so clever that if they want to get you, they'll get you, which is why I have alerts for activity and a credit monitoring service (through work) as my security protocols
I have all of my e-statements automatically go to a single email folder and everything autodrafts out of one account so it's easily trackable, never have to remember to pay and always keep enough in there for at least a couple of months of bills.
I have 2 banking relationships, one with my firm because there's perks, and one outside because I don't need my secretary seeing 100% of my finances. the simplicity is better than having an account here, an account at marcus, an account at ally, etc. if rates get higher, maybe I'll change that up, but I'm not about to complicate my life for 10 basis points on my cash.
for credit cards, I have one main one and then an amex, easy to stay on top of, and again - alerts alerts alerts. every time the shit gets used, I know immediately.
for document storage, I have redundancy. my bank gives every client a dropbox essentially, and so everything I wouldn't mind them knowing about goes there, but everything has a physical copy in a fireproof safe.
keys for simplicity
everything have the same system - either all analog, or all digital, hybrid is asking for stuff falling through the cracks
automatic payments are your friend. maybe the credit card bill is something you pay manually so you feel the pain when you have a big month that you need to shame yourself for, but everything else automatic
redundancy - have a digital backup, but keep important documents also in paper form
passwords as protection are like having a castle when the hacker has a F-22. they can just go right through that. monitor your activity, or better yet set up alerts so that your accounts do this for you. a password won't protect you
minimize your providers. no one needs more than 4 financial relationships outside of company benefits. have one investment firm you do business with, one or two checking/savings banks, and keep credit simple. you're not doing yourself any favors by having accounts at robinhood, etrade, vanguard, fidelity, and TDA. everyone's zero cost these days, you're just overcomplicating your life and making your annual compliance disclosures more onerous
Sound advice, SB'd
for accounts and passwords, try LastPass or BitWarden
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