This is an all-in-one budgeting system in a black textured PU leather zip-around long wallet. It consists of 6 monthly budget cards, 12 cash envelopes, a yearly budget planner sheet and a sheet of white envelope labels. The envelopes have a flip-up tab that will hold the white labels. There are also two wide compartments separated by a zip compartment that have webbed ends to keep things from falling out. There are 12 credit cards slots, one clear ID slot, one other slot, and a pen holder. This unit could also be used as a coupon organizer. It’s very sleek looking and can be unisex. It is NEW.