Here's what's included when you begin: Passionate penny pincher Planner & More Beautiful Blue & Gold Planner with Soft Touch Laminate Design 10 Reusable Cash Envelopes Over 200 Stickers Interior Pocket Soft Touch Laminated Cover Annual Sheets Net Worth Worksheet Schedule For Bill Payments Annual Budget & Expense Overview Debt Reduction Plan Grocery Budget Worksheet Long Term Financial Goals Page Subscription & Account Information Pages Password Organizer & In Case of Emergency Sheet Daily & Monthly Sheets Monthly Overview Goals Daily Saving Reminders Daily Spending Ledger For Each Month Savings Planning Pages