If you didn’t contribute for all the years you get a really large penalty in your pension. For you to be entitled to it, you need to have contributed towards it for (this changes all the time) a few decades and be above a certain age. I’m from the South of Europe and for the most part people’s pension is from the Government and final salary. This may not apply to you, but is an example. And thanks in advance to anyone who can offer advice. My middle aged brain can't comprehend, and I get a feeling of zen when I do my finances). I hope someone can help me out because my friends think I'm too old fashioned, and I honestly spend too much time on my monthly budget (I want to briefly add that I have no interest in getting bookkeeping software. With everything in the world of finance becoming paperless, what items should I keep, and what is safe to disregard, or toss out? I don't own a paper shredder, so I usually tear up papers by hand, put them in my kitchen trash, and dump eggshells and wet coffee grounds on them. All of these things are sorted and filed, but sometimes I get overwhelmed and throw some away without looking. I've also had jobs in the recent past with no direct deposit, and I've always kept my paystubs. ![]() I also hang onto almost every bill or paper statement I get in the mail. I do a monthly budget, balance my checkbook the old fashioned way, written by hand (at least on payday, often every Friday).
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