This personal finance set can be purchased and downloaded right away for immediate use. This set contains: -Monthly budget- Income, Savings, Expenses- (3 pages) -Income tracker If you want a personalized finance set, I expect your email at firstname.lastname@example.org. Just let me know the name you'd like for the planner personalization. Your personalized pdfs will be emailed to you in 24-72 hours! The files are 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 files have 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.