Here's how long you should keep your tax filings, pay stubs, and other important financial records

It's easy to get in the habit of hoarding financial documents with the rationale that maybe, someday, you'll need them again. But if you're looking to get your financial house in order, be smart about what you keep - not all of it needs to follow you to the grave.

For instance, some items like ATM receipts can be tossed after a month, while pay stubs and investment account statements should be kept for at least a year, or until you verify accuracy with your W-2.

Items like your annual tax return, however, should be filed away and kept forever - the IRS has three years to conduct an audit, but if there's a chance your income was under-reported, an audit can happen at any time.

• Birth certificates
• Citizenship papers
• Custody agreement
• Deeds and titles
• Divorce certificate
• Loan/mortgage paperwork
• Major debt repayment records
• Marriage license
• Military records
• Passport
• Powers of attorney
• Stock certificates
• Wills and living wills
• Anything with an original signature or a raised seal

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