1.Made of high-quality leather material, our 100 envelope challenge binder is soft, durable and waterproof which will protect your documents,bills and cash from breaking. 2.The size of our budget binder with cash envelopes is very convenient for you to carry and can help you record anytime and anywhere. 3.Our 100 envelopes money saving challenge binder will be a interesting and great tool for managing your funds. 4.This 52 week money saving challenge binder can help you save money for multi-purpose and it also can be used for various plans. I believe that in this process, you will become more disciplined.