I'm not diligent basically. I just give statements - bank, savings plans, mortgage etc - a cursory glance and then just sling them in a drawer. Sometimes I don't even bother to open the envelopes: they just get slung in unopened. As long as everything appears to be in the black and savings appear to be accruing. That's as much as I bother. I admit it: it's not good enough and I've been particularly slobby lately. I've even grown a beard. People have noticed: and while I haven't had room-evacuating b.o. or halitosis or anything (perhaps friends and colleagues have been diplomatic), one or two have had a discrete whisper in my shell-like and commented that I appear to have let myself go a bit Well, today's been a day of action! Blitzed the house, shaved and went out and bought two lever arch folder thingies, some of those tabbed cardboard dividers and loads of plastic A4 wallets. I then heaved a huge pile of envelopes on the floor, opened, sorted and filed them. Everything is now in order and I've come up for air, feeling terribly pleased. Anyone care to give me a virtual slap on the back? Now to get that endowment mortgage sorted - which has been playing on my mind. Where do I start?