This planner can be purchased and downloaded right away for immediate use. If you want a personalized expense tracker, I expect your email at firstname.lastname@example.org. Just let me know the name you'd like for the planner personalization. Your personalized pdf will be emailed to you in 24-72 hours! The file is meant to be printed on 8 1/2 x 11 inch paper. You may print as many copies as you need. I can't offer a refund once the file has been sent. If you preffer a different color, please let me know. I am always glad to help in any way I can. Please, do not resell or share this planner. BASIC SKILLS NECESSARY You need to know how to open a PDF file and print.