This is a great way to manage your money… It has a section for personal information for your budget and then it has a special section with note paper and then it has a section with different colors with the budget and then corresponding color of envelope. The actual binder thing is between a blue and a gray.… More blue. And it has a snap on the front and on the back it looks like a snap, but it’s securely closed there It is the kind of system that is used with financial peace by Dave Ramsey.