Budget Planner & Monthly Bill Organizer With 12 Envelopes and Pockets. Expense Tracker Notebook and Financial Planner Budget Book to Control Your Money, 8.5" x 11", Black

Best budget book I've seen. Positives: 1. Well made, heavy duty and large spiral bound cover. Each month a sturdy pocket for receipts and bills. Elastic to help keep closed. 2. Twelve month budget - start with any month since you put monthly label stickers in the tabs. 3. Each month includes a calendar, budgeting page to record budget vs. actual expenses, transaction pages with a lot of room to record daily expenditures (>180) 4. Comes with sturdy money envelopes in case you use that system 5. Special tab category in back for Holiday/Misc budgeting and spending. Great for projects also. Cons: 1. Have to write month and days on each calendar. I didn't find it that bad, but some people will. I imagine it keeps costs down. 2. Would be good to include some year choices to place on the cover 3. A little pricy Overall, I love this book, I keep it out on my desk to record daily expenditures to get an accurate accounting of where I'm spending my money. I didn't use all the budgeting items listed, since for me it would be too much. I did use most though. I will buy again next year. Makes a great gift also.