The pages are removable so if you don't like the cover, you can easily transfer to a three-ring binder of your choice.

Promising review: "The book is perfect for expense and budgeting monthly. They’ve updated the calendar in the book so it shows 2018, 2019, and 2020. Also the book is the perfect density. I can use a sharpie to write on the pages without it bleeding through. I love this book!" —Alexandrea B.

"This bill/expense tracker (and organizer) is my favorite! This is the second year I have ordered the same one. It's so helpful at keeping my monthly items organized and easy to get to!!" —SJ Smith

Get it from Amazon for $14.99+ (available in two colors).