Effective Money Management: Our budget planner is designed with monthly budgets section, financial goals, financial strategy, monthly refection of the finance, specific daily expense at a glance, savings, holiday budget, summary of the year format, A good logical finance book will help you to take control of your money effectively Monthly Budget: This 12 months budget planner helps to set monthly & annual goals, budget, reviews, develop monthly habits, make monetary strategies & action plans. Writing down annual goals & budget, put reminders of bills & payments in each month’s calendar log. Record budget in each category, track daily expenses and savings during the month. Review monthly budget and summary at the end of month, reflect your gains and figure out how to improve next month Undated 12 Months Use: Undated 12 months finance book starts with financial goals & strategy, 12 month calendar log, 2 pages budget, 4 pages saving tracker, 4 pages expense tracker, 3 pages debt tracker (Above contents are monthly section per month, different color for each month). 4 pages for holiday budgeting, annual financial goals & budget, annual bill tracker, account info, 8 pages notes 2 pages year summary, 2024 calendar. It is undated, you could start any time Premium Quality: 7x9.5inch. Budget planner with 100gsm paper to reduce ink leakage, erase fraying and shade issues. Sturdy waterproof hardcover protect the inner pages well. Inner pocket to store bills, receipts. Ribbon bookmark, colorful side view, easy to track each month by colorful trapezoid on side view. Come with cute stickers to mark 12 months and meaningful day. This budgeting planner contains a detailed book content to let you know quickly how to use this book well Our Satisfaction: Financial budget planner would make a big difference in your money management