The binders are good quality for the price, and they come with the envelopes to stash whatever you'd like inside of them. However, compared to other envelopes, these are small and quite rigid. Putting money in them is difficult, and there are better envelopes out there. They do they job, though! (I'm just a bit picky because I have better envelopes.)I received the purple sparkle and the blue teal binders. The purple very faintly sparkles and from across the room, unnoticeable. It's only when you get up close that you see the sparkle. It is pretty, but I wish it was more noticeable. At least you won't have glitter everywhere, though.And the teal one is similar. You notice the color before the design when you get closer.They are very soft binders. They feel great to the touch. I'm happy with them. I hate to toss out the crummy envelopes, because it's more plastic waste, but they really should just be a tad longer and wider to be perfect. I can give them to my friend who might need them, but from now on I will buy binders with no envelopes, because these kits on Amazon seem to always come with at least 12, and it gets overwhelming. You can only comfortably put 7 or 8 envelopes in a single binder, so 12 is excessive.Super helpful if you are working on budgeting! the outer material is a flimsier leather though and not though and hard like i was expecting but that ok becuase it still works for its purose!Nice little notebook. Haven't had it long enough to know how sturdy it is.This is exactly what I was looking for. The binder closes nicely, and the envelopes are large enough to hold cash. I am glad i made this purchase.Perfect for my needs.I already had the gray and pink binders in this style. I was worried the turquoise wouldn’t be as soft and pliable, but it’s just a perfect as the others!!Love how NOT stuff this is. Pliant and soft and well crafted. Love itMy adult daughters are good savers and these will make them even more organized! They seem very well made but will be gifts so I can’t judge their sturdiness or durability.Originally before reviewing I had no issues and it would have been a 5/5, but after just a few days the buckle came out the other side and broke.The book feels fine and I have no issues with the inside, it does what you would want for it. I use it personally for savings.The lock bag feel sturdy on the inside with a zip to lock it all in, all held to get her by a ring lock just like a folder.Not bad but just disappointed mine broke after a short periodReally impressed with the quality considering the price. Clasp sturdy, material looks good and is soft. The 12 zipped inserts are surprisingly sturdy and easy enough to open without opening independently. So many uses, from savings, kids pocket money, monthly spending, home organising (stamps/receipts/vouchers) to holiday money and documents. May well buy another one.Really good quality itemBought this as I need a pleat of budgeting with cash and accounting for notes and coins so this was idealStrong plastic wallets and a lovely soft coated leather like Filofax type folderStrong metal loops inside and good quality materialLove it and would recommendI paid £10 and I feel for the quality that was cheapNice but I found it little difficult to open zips.Had thought to use to hold cards and electric key to go to post to pay bills.But I found the zips very stiff and difficult to get a hold on.I have reluctantly had to return didn't work for me. But not to say other people with better movement in hands wont have same problem.