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Keep your household papers and bills separate from work you do at home, be it from your full-time job or freelance work.
Maintain two sides of your desk, with one for bills, invoices, and other important household papers and one for work purposes.
Hanging files are a perfect method of file organization for this purpose and they provide a way to file papers separately without making your desk area look messy and unorganized. Shelving also works good for this purpose. Keep two sets of shelves on each end of your desk, with different-colored coating on each one, to keep track of which papers go where.