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One of the reasons we want to make a household inventory is in case of a death. We will already have all of our items listed and a price for our loved ones to know what we have. This also protects against creditors for us to know what we own and what we owe on.

One of the first steps in the sale of an estate or dividing property is an itemized household form. If you have already filled one of these out you are ahead one step. We want to make it as easy as possible for our loved ones after we have passed on.

As you do your inventory it is best to determine things of worth and things of special meaning. To determine things of worth make sure you look it up on a website like Ebay. You can compare an item that you have to one on there to determine what it is worth. Take a picture and add the value at the bottom. If it is of special meaning be sure to add a story or your memory to the picture for your loved ones.

We don't like to dwell on the future like this too much but it is always better to be prepared.


Household Inventory Form
File Size: 519 kb
File Type: pdf
Download File

 
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Once you've completed your inventory, copy everything, including lists, appraisals, receipts, videotapes, disks, and computer printouts. Store your binder off the premises. Ask a friend or relative to keep a copy.

Be sure to update your inventory every four to six months. In the meantime, save receipts for any new items you'll need to add. If you make a major purchase, update your inventory as soon as possible. And remember to delete items you no longer have.

Is your Insurance what you want?

Too Many people find out after a loss that they should have increased their coverage amounts or purchased replacement cost coverage.

Add up all of your current estimated values to find out how much it will cost to replace everything, then compare this figure with your policy's personal property limit. This will be a good indicator of whether or not you need to increase your coverage.

Special limits on High-Value items

Insurance companies place special limits on valuable personal property, such as jewelry, silverware, artwork, tools, special collections, and firearms. If you own these items check your limits on your policy.

It's a good idea to have valuable items appraised on a regular basis and to keep your appraisals with your inventory.


 
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Keeping track of what you own is very important in case a disaster should strike. Never let the cost of home inventory programs keep you from using a home inventory software program. Consider these free alternatives instead.

The Best Free Home Inventory Software


One of the best free home inventory software programs that we have found is….. StuffSafe.com. StuffSafe is a free, online inventory tracking website. 

It is so easy to set up your inventory on StuffSafe!  All you need to do is:

·         Register/create an account. Once again… It is FREE!!!!   (Just like the 52 Week program!) 

·         Create a location. (Home, Apartment, Vacation Home, Work… the list is endless)

·         Choose the rooms within each location in which you want to inventory your belongings. For your home, you would add the living room, bedrooms, kitchen, etc.

·         Create the inventory of your belongings for each room.

This step-by-step method helps you stay organized and breaks the task down into manageable parts. You create an inventory of one room at a time until you have entered everything you own.

Since all you need is a web browser, StuffSafe works with all operating systems. You can also leave your inventory online, (in case your computer burns down with your house… then you can still access it!!!) or you can download a list of your items to save on your computer and/or print out.

This sounds great… But what are the Pros and Cons

The main advantage to storing your home inventory online is that your records are kept away from where theft or damage is most likely to occur - your home. A well-kept home inventory stored on your computer is of no use if your computer crashes or burns up in a fire. The downside to storing a home inventory in any online program is that your inventory could be stolen by a hacker and a potential burglar could learn exactly what is inside your home. The odds are slim that this would happen or that using this software would raise the likelihood of your home being targeted by thieves.

Home Inventory Templates


If you are more inclined to a template then… You can use ours!  We have created a template at 52 Weeks to Prosperous Living that you are free to use in completing your home inventory.  You can download at the end of this article.

Keep your Inventory List Secure

Remember… A home inventory is worthless if you can't find it when you need it -- even if you use the best free home inventory software. If you save your home inventory list on your own computer, be sure to back up your list in case something happens to your computer. You can:

·         Burn your inventory to a CD or DVD and save the disc in a secure location such as a safe deposit box at your bank.

·         Print your inventory and save it somewhere safe outside of your home. (safe deposit box, or somewhere you trust)

·         E-mail your inventory to a friend or family member so that it's saved outside of your home.


 
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1- Having Less means Learning to need Less

We tend to think that we need more to live more comfortably. The world around us would like us to believe that we need certain items to make our lives easier. So we purchase these items and find we have no room for these items. Taking time to go through all these items can be a wake up call. We can get rid of the items that really we never use and save money by realizing we don't need these items to begin with.

2- Wealth Requires Health

We need to be healthy in order to do the work it takes to make money. When you have clutter and things around that can collect dust and mold it creates allergens that can make us unhealthy. A general cleanup and reorganization can help you get back to your healthy, Productive self.

3- Organization Is Beneficial-and Contagious

Once you have started to organize your home you will find that things are easier to find, everyday tasks take less time and life runs more smoothly. That will carry over to your attitude and will in turn carry over to your work. Once you start to get organized it is hard to live any other way.

4- Do A Home Inventory While you De-clutter

It is at this time that it is best to decide what stays and what goes. While you are doing this you take make your Home inventory of the belongings you are going to keep and what the value of these items are. We always want this Home inventory in case of a loss, theft or disaster. This will help the insurance companies cover anything that you claim.

5- Make some Money

When you are done with the Keep and the toss you can sell the things of value that you decide aren't benefitting you. Have a Garage sale. Make sure that you save the profits so it can help you organize your finances as well.

6- Eliminate storage fees

Once you eliminate excess clutter in your home you may find that you have more room for the things that you have had in a storage facility. Clean out the storage facility and keep the things again that will be beneficial in your life. Eliminate that monthly payment and again save that money.

7- Eliminate the need to buy Duplicates

As you are cleaning out all those nooks and crannies you may come across those items you thought that you had lost forever. If those items are important to you it will eliminate the reason for you to have to spend money on a replacement.

8- Increase Heating and cooling efficiency

Filling your house with to much stuff can restrict the right air flow. You may discover that your air ducts are partially or completely blocked. This makes your systems work harder which makes the costs rise. opening up the spaces will make a difference in your bills.

9-Downsize

Now that you have eliminated clutter you may find you have to much room in your house. You may find that the space you once thought was too small is actually the right size. we always tend to think that we need more. instead of filling that space with clutter. consider moving into something more affordable and efficient.

10- Increase your Home's potential Value

If you are considering moving the best way to show a house is getting rid of the junk. People will be able to see it's potential when it is not cluttered getting you the best price. 


 
 
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Why would you take a household inventory of the items in your home? It sounds like something really fun to do with your free time right? Well not exactly, but it is something that we need in case of an Emergency.

 What is a household inventory?

It is a type of document containing a description of the items you and your family own in and around your home. It is best to add pictures or videos with these documents. Why you ask...... Well let me just say that Insurance companies don't want to pay you money and it is their job to prove that you didn't have these items. If you have pictures and video they can't argue with what kind or how expensive an item was.

It is important to make an inventory in case you have a fire, theft, or some other disaster that you will have damage to your belongings and your home.

Most people think that they can just remember what items they have in their home without filling out an inventory sheet. Can you remember all the pairs of jeans you had in you or your families closet and the brands? These are things that have to be documented.

It is also important that your insurance aquatically covers all of these items.  If you own the Mona Lisa... make sure you are covered for that!  So... as you are doing your inventory you look over your homeowners policy or renters policy to make sure that you are fully covered.

You never know when something bad could happen to you. You want to make sure that you are fully compensated in a bad situation.