Keep detailed records of your monthly expenses. Unique format includes a pre-printed, five-column ledger for itemizing each month's expenses, along with an associated pocket for hard copies of that month's statements, bills and receipts. A six-month future-reference calendar and a ruled page for general notes are there to help you get a jump start on next year.

• Keep detailed records of your monthly expenses.
• Monthly pocket format with space for statements, bills and receipts.
• Pre-printed, five-column layout on each pocket for itemizing that month's expenses.
• Six-month future-reference calendar and a ruled page for general notes.
• Twin-wire binding with sturdy, laminated paperboard cover.
• Elastic-band closure.