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The item that was sent to me is the same as the deluxe except it doesn't hold checks and register. The cover is leather so it holds up well but it doesn't clasp shut (since it's not the deluxe)Also if want to carry debit card in it would have to go in the zipper plastic pouch or inside cover. The envelopes fold over so cash can't fall out and don't know what is inside unless look or list on outside of envelope. Comes with some loose envelopes and others are on the spiral. It is a great system to be on budget and only spend cash. I can't wait to receive my deluxe edition I bought so I don't need to carry anything else but it. Want to stick to budget and only use cash and debit card this is the way to go!
I have 3 of these. One I use as it is designed, and the other two my sons use to hold Franklin Covey Pocket Slim daily and monthly calendars along with the middle notepad. Love the leather.
Verified purchase: Yes | Condition: New
I bought this product to assist myself in managing my money. I love this product. It holds my checks and check registry just fine, which allows me to double check if I can place money in the envelopes.If the pen was a bit nicer it would complete the package but I recommend switching it out. I use a Sharpie pen. As long as you stick to using the Envelope system with integrity it should work out fine for you. I use it with the zero-balance budget method and it's going great! Good Luck!!!
Just been using a few weeks and this is a great way to start. I only spend what i have in the envelope. Really makes you more cautious on what you spend. This is great for anyone wanting to start saving more money. I use this in conjunction with a simple excel spreadsheet budget. I like to assign money weekly instead of monthly though. Still working a few kinks out due to myself, but this is a graat item to have if you are starting :)
This is the perfect way to organize and start building that solid financial foundation. All the steps and details are here you just have to have the mindset to begin and follow!
Verified purchase: Yes | Condition: New
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