# Personal finance planner book by Wolters Kluwer — household budget notebook (paper)

**URL:** https://aio.lv/en/product--wolters-kluwer-5904204925198--12116611
**Data updated:** 2026-03-20 17:56 (EET)
**Category:** Diaries & Calendars
**Manufacturer:** wolters kluwer
**Manufacturer code:** 5904204925198
**EAN:** 5904204925198
**Warranty:** 2 Years
**Availability:** Out of stock

## Summary description

Paper household budget planner from Wolters Kluwer designed for tracking income, expenses and savings. This finance planner provides structured monthly and yearly sections, expense categories, balance tracking and simple calculation spaces to plan payments and set financial goals. Practical for personal or family budgeting and routine money management.

## Long description

Paper household budget planner from Wolters Kluwer designed to help track income, expenses and savings across months and year. The planner provides structured monthly and yearly sections, predefined expense categories, balance-tracking tables and simple calculation spaces to record payments, monitor recurring costs and set short- and long-term financial goals. The printed format makes it easy to review past months, compare spending patterns and keep a physical archive of household finances.
Advantages
The planner organizes personal and family finances in a consistent paper format with clear monthly and annual layouts. Predefined categories and balance fields reduce setup time and make routine entries faster, while dedicated spaces for savings goals and notes support basic financial planning. Its compact notebook form factor is portable and does not require electronic devices or batteries, providing a tactile record that is easy to reference during bill-paying or budgeting sessions.
Suitable for
Individuals managing personal monthly income and expenses
Families tracking household bills, groceries and shared costs
People planning short- and medium-term savings goals
Anyone preferring paper-based budgeting and physical records
Key specifications
Format: paper notebook with monthly and yearly sections
Content: expense categories, income lines, balance tables and calculation spaces
Pages: structured spreads for each month plus annual overview
Layout: predefined fields for recurring costs, savings targets and notes
Use: designed for manual entry with pen or pencil
How to use
Start by entering the starting balance and expected income for the month on the monthly spread. Record each expense under the matching predefined category and update the balance table regularly to reflect payments and incoming funds. Use the calculation spaces to total category spending and compare actual expenses with planned amounts. At month end, transfer summary figures to the annual overview to monitor trends and progress toward savings goals. Keep the notebook accessible for receipts and quick daily updates.
Usage recommendations
For consistent results, set a weekly time slot to update entries and reconcile receipts. Use the annual overview to identify recurring cost increases and adjust monthly targets. Combine with simple digital backups—photograph monthly pages—if you want an additional electronic copy.

## FAQ

### What payment options are available?

AiO.lv offers several payment methods: Bank transfer. All transactions are 100% secure and encrypted.

### Can this product be purchased for a company (with VAT)?

Yes. AiO.lv works with legal entities in Latvia and across Europe. The product price already includes VAT. For certain product categories, as well as for companies from other EU countries with a valid VAT number, a 0% VAT rate may apply. We issue the invoice immediately after the order is placed, support electronic BIS invoices, and automatically generate all necessary accounting documents. You can complete the purchase for a company online — simply select the company profile and choose bank transfer as the payment method during checkout.

### What is the warranty period?

All wolters kluwer products come with an official 2 Years warranty. It covers all manufacturing defects and malfunctions that may occur during use. The warranty is valid at all authorized wolters kluwer service centers and through AiO.lv

### Can the product be returned after purchase?

Yes, you can return the product within 14 days of purchase if you bought it as a consumer (not a legal entity). Returns are possible without giving any reason — the main condition is that the product retains its original appearance and full set of accessories. We will make the process as simple and convenient as possible: just contact our customer support team, and we will help you arrange the return.

### Where should I contact for warranty service?

For warranty-related questions you can contact the AiO.lv (SIA VSPRO) customer support team. More information about warranty service: https://aio.lv/en/warranty

## Image

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