Super easy to use. Just follow the steps and be sure to enter all information needed. This is good for people who are just learning to budget and want to gain back control of their finances. 4 colors to chose from. I will being sending any color you chose in either PDF, Excel or both. Important Notes: This is a digital download only. Item will be emailed directly to you to download. No physical product is included. Please let me know which color you would like. Redistribution, reselling, or content replication is strictly prohibited. Customer Support: I will be happy to answer any questions you have and help you in any way I can. Depending on your excel setup, you may have to adjust print settings. Due to the nature of digital products, I do not accept returns, exchanges, or cancelations.