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. 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. Monthly Home Finance 5-Column Format. Book-Binding Type: Wire-O; Book-Binding Details: Twin-Wire: Flexible Cover; Book-Cover Color: Black/Green/White; Color Family: Multicolor.