- Financial Organization: This envelope challenge binder helps you organize cash holdings, set and achieve financial goals, and track cash deposits and withdrawals in detail. It includes category stickers and a cost plan sheet to easily handle bills, spend meaningfully, and start saving. - Take control of your finances: Keep your budget under control with this envelope challenge binder that can be easily taken with you. It is portable for on the go use, so you can track finances outdoors or at home without missing details. Its compact design fits in a pocket or on a desk. - Reliable protection: Made of durable PU leather, the binder resists deformation, fading, and fraying. It provides a reliable, long lasting solution for your organizational needs. - Wonderful gift: The envelope challenge folder is an efficient money management tool and a thoughtful gift for your loved ones on Mother's Day, Christmas, Birthday, Valentine's Day, Halloween or New Year. - Use scenarios: - Home budgeting and saving: plan monthly spending and savings using cash envelopes and the cost plan sheet. - On the go budgeting: track deposits and withdrawals while shopping, commuting, or traveling. - Gift or personal finance starter: give to someone starting a cash based savings plan or use as a practical gift.