Bests & Worsts Reviews from Amazon

Pass. This is not a review on the seller, but rather a helpful alternative for individuals who are uneasy about buying the product due to the nature of the pages failing because of torn hole punches. I purchased a cheap 1/2" 3-ring hard binder, some pre-printed month tab dividers, some basic lined writing paper and printed up some blank monthly calendars (write in your own dates) and created a sheet on Google Sheets with the way *I* wanted to organize my monthly expenses with my spouse who pays half of the shared bills. Now I have something simply made, customized to my needs, cheap and reusable. Nothing to it. Hope this helps some of you!