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MANAGE YOUR MONEY EFFECTIVELY - This budget planner contains financial goals, financial strategy, savings, debts, daily expense, monthly budget, monthly budget review, Christmas budget, summary of the year sections, which is a good finance books, it will help you to take control of your money effectively. MONTHLY GOALS BUDGET REVIEW ORGANIZED - 12 month budget planner helps you to set monthly goals, budget, review, and develop monthly habits, monetary strategies action plans well. Write down monthly financial goals, put reminders of bills payments on the calendar. Monthly budget section to plan your monthly budget in each categories. Track daily expenses during the month. Review monthly budget at the end of month, reflect on your accomplishments and think about how to improve next month. UNDATED 1 YEAR USE - Undated finance books start with 1 page for financial goals, 1 page for financial strategy, 4 pages for saving tracker, 4 pages for debt tracker, followed by 12 months10 pages per month, 1 unique color for each month. 2 pages for Christmas budgeting, 2 pages for yearly summary and 12 pages for notescolleague ruled. It is undated, so you could start at any time, suitable for 1 year use. PREMIUM QUALITY - A5 budget planner with 100gsm paper to reduce ink leakage, erase fraying and shade issues. Sturdy and flexible cover, elastic closure to protect the inner pages well. Strong metal and lay-flat twin-wire binding. Inner pocket to store loose items, like bills, receipts etc. User manual with filled examples for quick start. One colorful trapezoid on each edge of planner, 12 colorful trapezoid represent 12 months. Easy to track by colorful trapezoid on side view. GURANTEED SATISFACTION - We gurantee this money planner could manage your financial effectively.

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