When you actually use the book the way you're supposed to it's one of the best tools I have to keep myself organized with my finances, lol.Here's what I find most valuable:1. Finance goals - there is a short section where you can list what your goals are in the beginning of the book. Next to it there is also a section where you can detail what you need to do to meet those goals.2. Checklist - this is great for listing out what you want or need to get done for the month. It's a short list of about 10 things so that means you have to prioritize. For each thing you get done you can check off the circle next to it.3. THE CALENDAR 🙌🏽✅️ - I NEEDED this. Seeing exactly what I have to pay and when puts everything into perspective. *** I actually went and put the total amount I'd be spending each week in the margin space next to the calendar to keep me from buying unnecessary items.4. Monthly budget page - Here is where you lay out everything you plan to make payments on along with the expected amount. The book neatly sections your most likely expenses into categories for you. You write what you're paying (Verizon), how much you expect to pay ($65), and then once it's paid how much the actual payment came out to be ($50). At the bottom of the section you add up all the expected amounts, then all the actual amounts, and subtract the two to get what's left over.5. The Expense tracker - OMG I needed this part too 😭 lol. If you happen to be an impulsive spender like me this will help you prioritize. This, to me, was the most intimidating portion of the book because, 1. you have to be diligent in recording every purchase you make, online and in person, cash and card. The tracker can't help you if you don't keep up with this. And 2. the expense pages show you just how much money is flowing out in comparison to what's coming in. It's not easy to look at an issue of your own making, but the silver lining is once you see it you realize things. For me it was that I actually do have enough money to take care of all my monthly necessities, it just looked otherwise because I kept spending it on wants.and finally 6. & 7. the Saving and Debt trackers - These pages give you room to list out things you want to save for (a new tv, cheer camp, whatever 😊) and debts you owe and take on (old and new subscriptions, online store installments, etc.). For Savings you write what you're saving for (dishwasher), the amount needed ($1000), and the due date at the top. underneath this you can list each deposit, the date you made it, and an updated balance. For Debts you write the debt name (Affirm), the starting balance ($100), and the minimum payment ($15) at the top. Below this you write the amount paid, the date you paid it, and the updated balance.These are the only sections of the book I've used so far. At the end of the month there is also a Monthly Budget Review and Spending Analysis page where math is involved and being honest with yourself is necessary.All in all I love this tracker/ budget book. It's beautiful, functional, and well worth the purchase. The only thing I would change are some of the stickers that come with it. I've never liked sayings such as "live below your means" because it always felt like people were telling me to be satisfied with being poor. More stickers that promote a healthy positive attitude towards money and money management would be greatly appreciated 🙏🏾🙏🏾🙏🏾.Lovely product. I would definitely recommend it.

Good quality, thick pages that don’t bleed through. The graph at the end of the month is nice and easy to use. This is my second year using Clever Fox. I liked it so much that I bought one for my Mom.

Four years ago, when I embarked on the journey of managing finances in my newfound independence, I discovered the Clever Fox Budget Planner, and it has since become an indispensable companion in my financial life. As I just got done filling out the month of November in my fourth budget planner, I find myself reflecting on the incredible impact it has had on my financial organization and well-being.My initial purchase of the Clever Fox Budget Planner marked a pivotal moment in my life—moving in with my then-boyfriend, now-husband. It was my first foray into managing our finances, and this budget planner played a crucial role in setting the foundation for financial success. The beauty of this budget planner lies in its ability to keep me incredibly organized. From monthly budgets to expense tracking, it has provided structure without being overly prescriptive, allowing me the flexibility to tailor my budgeting approach according to our monthly needs and anything that life throws at us. The end-of-month reflections provided by the planner offer valuable insights into our spending habits. Calculating the percentage of expenses based on categories allows for a holistic view of our financial decisions, fostering a continuous learning process.Annual Ritual:What started as a practical tool has evolved into an annual tradition in my household. Each year, we eagerly pick the new color of the Clever Fox Budget Planner, turning it into a special event that involves the entire family. The vibrancy of the new color adds an extra layer of excitement to our financial planning.Goal Setting and Positive Reinforcement:Beyond the practical aspects, the Clever Fox Budget Planner incorporates inspirational elements that I cherish. Monthly and yearly goal-setting prompts encourage forward-thinking, while positive stickers inject a dose of encouragement and motivation into the budgeting process.I wholeheartedly recommend the Clever Fox Budget Planner to everyone, regardless of where they stand in their financial journey. Its user-friendly design, flexibility, and inspirational components make it an invaluable tool for both beginners and seasoned budgeters alike. This planner is also incredibly sturdy and well made. The inclusion of a pen holder was also a game changer for me as I never have an excuse not to fill out my pages because "I couldn't find my pen"!

Paper quality is good, but a lot of the items were already filled in. Did not work tot me. I started to use CF's Bill Organizer instead, which has only the categories filled in. Works beter tot me

Estoy súper encantada con esta compra. Tamaño ideal, súper completo. La tapa es muy suave, viene con pegatinas y un sobre al final para archivo. Es fiel a lo que se describe. Ha llegado sin problemas y muy rápido. Este es el tercer modelo de Planificador que utilizo y definitivamente seguiré comprándolo para futuros años. Feliz de haberme decidido por esta marca ¡5 estrellas! ¿Existe la versión en español?

Used for most of the year

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era un regalo