“Beware” w/ five stars? Why, YES! Because it WILL help you maintain a budget if you use it! LoL I have been handwriting my own budget for years. At one point I was even offered a job at a military installation to teach young airmen how to work out a proper budget. The last few years though, I have gotten lazy about it because of health problems. So I have been on the hunt for a budget book that allows you to write your own bills and other expenses, and then track your spending. But all the budgeting books I had found prior to this one all had pre-labeled expenses. These never worked for me, because my expenses were never the same as what was listed.I was about to give up, and go back to hand-creating my budge, when I spied this one on Amazon and thought, “Okay, I’ll try again.” Lo & Behold, this one is ‘almost’ PERFECT! I only have two things I would change, and they are minor:1) That they would add 2 more ribbons in it (each a different color) 1 for the debt tracker pages, 1 for the monthly budget section, and 1 for the expense section. Using bookmarks is okay, but adding two more ribbons would make it much simpler.2) More debt tracker pages. At least 10-12 Debt Tracker sections would be awesome! Most people who have debt have more than 4 credit sources. I filled mine up with 2 student loans and two vehicles. There was no room for credit cards, or the mortgage, etc.Aside from these, it really has a great amount of space to keep track of your spending and financial goals. And it’s small enough to toss in your bag if you need to carry it with you. I also like how it offers an end of month financial review, so you can see if you are meeting your goals and obligations. Did I mention the stickers?Thumbs up for this Budget Book! ?? Highly recommend!! ⭐️⭐️⭐️⭐️⭐️