The budget planner is made of wear-resistant PU leather and the special metal button design is easy and convenient to open and close. The budget binder Compared to other sellers who generally use the cash stuffing made of PVC material with strong smell and inferior quality, we use the envelope method made of high quality PEVA to make the zipper smooth.Soft, non-toxic and tasteless.The budget planner contains 12 cash envelopes and 12 budget planners just to meet the monthly budget of the year, the budget binder with two large leather cash stuffing and 5 credit card slots inside, and the three-color sticky note paper.The financial planner has a slot for storing pens and a scratch-resistant pad on the bottom of the ring binder so that the leather of the budget planner cannot be easily scratched by the folder.Our budget planner can help you create a monthly budget, allocate purchases and trips, save money, and perform a variety of financial management tasks.The financial planner ideal for Halloween, Christmas, Thanksgiving, birthday, Valentine's Day, Easter, National Day, Mother's Day.I think I would be happy if I could get a gift like this over the holidays.