How Long to Keep Documents
How long to keep documents, category by category: the one-year shelf, the three-year tax rule, what to hold while you own it, and what to shred today.
A curated set of 4 templates for two households raising one set of kids — split expenses your own way, keep one running balance, count overnights against your schedule, and hold the records a co-parenting arrangement asks for. In files both homes own, not an account either one rents.
Co-parenting runs on numbers that should be simple and rarely are: this child's therapy is split 70/30, that one's activity fee is 50/50, one parent fronted the school supplies and the other paid back half, and by month three nobody agrees anymore on who actually owes whom. The Co-Parenting Expense & Records Log sets a percentage split for each of 12 expense categories — with an override per child for the one that's shared differently — and resolves it on every row, netting every payment, partial or on account, into one running "who owes whom" figure. It also counts scheduled versus actual overnights from a 14-day pattern, alternates the holiday rotation by year, and keeps a communication log, handover checklist, and records index alongside a year-end summary. Start free with the Co-Parenting Shared Expense Ledger — one tab, a single agreed split, and a running balance, pre-filled with a worked example.
Not every plan or agreement uses the same words for the same costs. See what counts as an extraordinary (add-on) expense for the categories people and plans commonly split beyond base support — and, if you're weighing an app against a file you keep, see spreadsheet vs. co-parenting app.
A few things nearby round out the same records. If you're still working through the separation itself — the asset and debt picture, a budget, the documents you need to gather — the Divorce & Separation Records Organizer holds that (see organizing your records for a separation). If a child has an IEP or 504 plan, the Special-Needs / IEP Records & Care Binder keeps accommodations, evaluations, therapy and meeting notes in one place both households can reference. And if either home also splits bills with a roommate, the Roommate Agreement & Bill-Split Spreadsheet runs the same kind of who-owes-whom balance for that arrangement.
Recommended templates
4 templates
The Co-Parenting Expense & Records Log first, then the separation, IEP, and shared-household records that tend to sit alongside it — fillable files each household keeps.
A co-parenting expense tracker for Excel & Google Sheets. Split each child expense your way, net every payment into one balance, and count overnights.
A divorce & separation records organizer for Excel & Google Sheets — your assets, debts, income & documents in one private file, totals done for you.
An IEP records binder — organize accommodations, evaluations, therapy, providers, and meeting notes for your child's IEP or 504 plan in one file you own.
A roommate bill-split and house-agreement spreadsheet for Excel & Google Sheets — split any cost four ways and see exactly who pays whom.
Where we fit
Compare the setup effort, collaboration, and automation you need. Ardent Workshop sells ready-made templates; a custom spreadsheet or software platform may fit better depending on the job.
Build the structure around your own process, with time set aside for formulas, layout, and maintenance.
Owned, structured, connected workbooks — a one-time price, yours to keep.
Consider a platform when you need shared workflows, automation, or integrations. Check the specific plan, permissions, and export options.
Reading list
How long to actually keep a document, a fair way to split and settle shared costs, and building the one binder that holds everything an emergency needs.
How long to keep documents, category by category: the one-year shelf, the three-year tax rule, what to hold while you own it, and what to shred today.
A five-minute system to split trip costs with friends fairly, track every shared dollar, and settle up once with zero resentment.
A family emergency binder keeps every critical document, account, and contact in one place. Here's what to include and how to build one this weekend.