Check out Papier's hardcover finance journals for those budget conscious customers. What's Inside - Four Money Mentor articles from Kalpana Fitzpatrick - Yearly review for last year - Money clarity pages to set financial goals for the next 12 months - Savings and debt reviews - Overall monthly budget to break down your spending - 12 monthly budget and tracking pages - Six-month review - End of year review - Space to plan budgets for six occasions Paper Quality: - 100% offset paper & greyboard - 96 leaves (192 sides) of paper - Inner pages are 60 lb - Hardback cover is 0.2" thick with a 120 lb silk-paper finish - Foiled Details: Printed with gold ink to create raised, metallic touches - Includes a ribbon marker - Size: A5, 6 in x 8.5 in

Shipping:

• $6.95 flat-rate US shipping or FREE on orders over $100!
• Orders are processed and shipped out within 24-48 hours.
• FREE local pickup is available at The Cottage in Jefferson, GA (Choose option at checkout.)

Returns: 

• Returns must be requested and postmarked to us within 14 days from your date of purchase.
• Your item/s to be returned must be in new condition (tags still attached, no odor, pet hair, or other user damage/wear/tear)
• Returns are eligible for store credit only.
• Items that are final sale and cannot be returned: accessories and other non-clothing items, intimates, leggings, sale/clearance items.
• Shipping charges (original and return) are the customer’s responsibility.