I've been meaning to write a review ever since I purchased the "D - Beige Marble Pattern". However, Amazon "write a review" update wouldn't let me unless I participated. So if you were like me, I suggest buying items off Amazon for at least $50.00 just know, they'll charge you for "shipping + handling" including taxes. Add that to make it $50 & you should be good. Anyway, back to the review. This is great for cash stuffing beginners. I say this because you want to invest of purchasing something cheap when starting your budgeting methods. Don't buy all the fancy or design covers until you feel like it's worth the cost. So far its been durable, the surface is quite smooth which you'll see in my pictures. I try to capture the quality and details with my phone. Now, it doesn't come with a lot of items with the binder compared to my purle/white binder. It won't come with a budget planner, sticky notes, to-do list etc,. You'll noticed the two binders thickness. It's up to your liking. It's a good thing I purchased two binders when both were on deal. Another thing, look for Deals because the "shipping + handling + taxes" are ridiculous unless you want to spend an extra 12.99 + 2.76 that's up to you lol the quality is good, the zippers work perfectly, no tears or wrinkles, great A6 for the dollar bill size. Overall, I would suggest to a friend about this item. It keeps me motivated enough to save up. And who knows, maybe in the future I'll invest of buying another. Like I said before this is great for beginners (in my opinion). Treat yourself until you deserve it. That's the true budgeting mindset.