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I keep a digital file system the same as my parents used to keep their filing cabinet. Alphabetized folders. Each person in the family (me, wife & kids) has their own folder with all their stuff in it. I have every important document scanned and saved as PDFs. The physical originals live in a real file folder of the same name and organized structure inside the filing cabinet in the closet.
Product receipts for warranties and docs, insurance declarations, taxes, credit card agreements and scanned card copies, etc all organized as you’d typically see in a real filing cabinet with their digital PDF counterparts inside a digital folder.
This is all stored using iCloud Drive (we’re an Apple family) that’s accessible from all my devices. It’s actually been a life saver several times while on travel. Wife lost her passport once coming back from Mexico, being able to pull up a PDF scan kept us from being trapped outside the country.
Some things we really don’t need a SAAS product for. Just create folders and take care to keep them up to date and organized as you would an old school filing cabinet.