Keep detailed records of your monthly expenses with hardcopy documentation supporting each expenditure. Unique format includes a pre-printed, five-column ledger for itemizing each month's expenses, along with an associated pocket for hardcopies 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. Sturdy, laminated-paperboard cover features twin-wire binding and an elastic-band closure to keep everything properly sorted.