This budget binder includes: 12 budget cards 12 zippered pockets 1 ruler 2 colored tabs 1 colored label This zippered budget binder with beautifully detailed budget sheets helps you clearly track your spending. Knowing where your money goes allows for better budget management and helps you meet your weekly, monthly, and yearly financial goals. Unique and Portable: A dedicated section holds bank and credit cards, and there's space for cash, making it perfect for everyday use. Organize your finances: This binder is ideal for carrying and organizing financial documents, including cash, bank cards, credit cards, coupons, IDs, stamps, passports, and change. The plastic zipper closure keeps your belongings secure. The waterproof and tear-resistant cash envelopes protect your items from water and dust. Ideal Gift: This budget binder with zippered envelopes is perfect for managing all aspects of personal finances. It makes an ideal gift for family, friends, colleagues, and children.