Excited about using this and I hope it helps keep me financially organized this year!

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Very complete, good idea for gift.

First off I'd like to say that this budget book/planner is very nice quality and well comprised. Ive began budgeting my first month in it and love that I also have plenty of space to write down my doctor's appointment etc on the planner pages for each month. Being able to use this to keep track of my money and my day to day life in one book is great! I got the "Smart Women" version of this in rose gold. It is very pretty and the detail of the woman on the cover is very nice. The whole system came in a very pretty black box. If you know someone who might like this it is definitely handsome enough to gift. The pen strap is tight and it has 3 ribbon bookmarks so you can quickly change from one part of the book to another (one of mine always stays in the "Holiday budget tracker" near the back) the "monthly budget sheet" is well compartmentalized. The only thing I wish was there that isn't would be a section for streaming apps. Most people these day have them for TV, music ect. Many of us have several. I put mine in the "other" category. All of the categories could probably use a few extra slots but its not bad.It also came with several pretty, shiny envelopes for saving money. I haven't used these yet but they don't look like they would hold much cash. They are unlabeled so you can fill in what you'd like for each. It also came with three pages of planner/budgeting sticker, they are a cute addition. The last add-on is the "Smart Woman Millionaire Secrets: 16 proven habits to achieve a millionaire lifestyle" to me this is the glaring downfall to the system. Not only does it have a great deal of obvious typos and grimerical issues but each "habit" is given in a nutshell form, vague enough to make it near useless. I'm not saying that not a single thing can be gained from reading though it but I wouldn't use it as a go to financial literacy guide. What do you expect from a short booklet that came with a budget book? Not much but maybe a little more than this. In habit #4 it says "you will find your answer once you apply habit #2 invest in yourself and habit #5 change your mindset around money" despite the fact that change your mindset ABOUT (one of thoes typos) money is habit #6 not habit #5. In reality habit #5 is "stop exchanging your time for money." No longer having to work for a living is great advice if you can manage to achieve it. This chapter however does not even come close to giving you anything resembling a good way to go about achieving that for yourself. Habit #15 is exclusive to people who own their own business so if you don't, it's more like 15 habits.I don't believe my "smart woman" version has anything different in it than the standard white one you see paired with other versions because there's absolutely nothing in it that is specific to women, it's all general advice for anyone. The book is what it is and it's far from a deal breaker. The system overall is fantastic and the budget book is a must have!

Love this my finances will be sorted in no time . Must say looks good too

Das Buch ist sehr liebevoll verpackt mit einem weiteren Heft mit Tipps rund ums Sparen. Ist jetzt schon sehr hilfreich - bevors ans Sparen geht, muss man erst mal Ziele ausfüllen. Auch wenn es perplex ist, mit dem Vorsatz Sparen zu wollen, erstmal Geld für ein Buch auszugeben, ist es für mich jetzt schon ein Game-Changer!