Okay, confession time – I used to be that person who swore by spreadsheets until my laptop crashed mid-budget. Cue this gorgeous Mystic Blue planner saving my financial life!

The vegan leather cover feels luxe AF (take that, sad beige planners). I’ve spilled coffee twice and it just wipes off – major win for clumsy budgeters like me.

Pro tip: The undated pages are PERFECT for when you ‘accidentally’ ignore your budget for three months (we’ve all been there). Just pick up where you left off without guilt!

The stickers? Unexpected MVP. Nothing motivates like slapping a ‘GOAL CRUSHED’ decal next to your debt payments. Though warning: you’ll run out of the good ones by March.

Wishlist: More debt tracker pages (12 feels stingy when you’re adulting hard) and colored ribbons because flipping between sections feels like a treasure hunt.

Real talk though – my credit score jumped 50 points in 6 months using this. That’s worth the price alone. Just don’t tell my bank I credit a notebook instead of their ‘financial advice’.