STAY ON TRACK & FOCUSED, SET MONTHLY GOALS & CREATE BUDGET: Write down your monthly financial goals. Set reminders for the monthly bills and payments on the calendar. Create a spending plan before you spend. Use predefined expense categories to create your monthly budget. Track all your day to day spending and store each month's paper bills and receipts in a pocket. At the end of the month review what happened, spot bad spending habits, think about how you can improve next month. ELEGANT, SMART & PRACTICAL PERSONAL FINANCE: Clever Fox Bill Organizer starts with 2 pages for setting your financial goals and their breakdown on the mind map, then 2 pages for your strategy and tactics, followed by 12 months (8 pages and 1 pocket per month). At the end of the planner there are 4 pages for tracking savings, 4 pages for debt tracking, 2 pages for Holiday budgeting, 2 pages for regular bill tracking, and 2 pages for annual summary to track your progress throughout the year. International products have separate terms, are sold from abroad and may differ from local products, including fit, age ratings, and language of product, labeling or instructions.
STAY ON TRACK & FOCUSED, SET MONTHLY GOALS & CREATE BUDGET: Write down your monthly financial goals. Set reminders for the monthly bills and payments on the calendar. Create a spending plan before you spend. Use predefined expense categories to create your monthly budget. Track all your day to day spending and store each month's paper bills and receipts in a pocket. At the end of the month review what happened, spot bad spending habits, think about how you can improve next month. ELEGANT, SMART & PRACTICAL PERSONAL FINANCE: Clever Fox Bill Organizer starts with 2 pages for setting your financial goals and their breakdown on the mind map, then 2 pages for your strategy and tactics, followed by 12 months (8 pages and 1 pocket per month). At the end of the planner there are 4 pages for tracking savings, 4 pages for debt tracking, 2 pages for Holiday budgeting, 2 pages for regular bill tracking, and 2 pages for annual summary to track your progress throughout the year. International products have separate terms, are sold from abroad and may differ from local products, including fit, age ratings, and language of product, labeling or instructions.
Sellers offer a range of delivery options, so you can choose the one that’s most convenient for you. Many sellers offer free delivery. You can always find the postage cost and estimated delivery date in a seller’s listing. You'll then be able to see a full list of delivery options during checkout. These can include: Express delivery, Standard delivery, Economy delivery, Click & Collect, Free local collection from seller.
Your options for returning an item vary depending on what you want to return, why you want to return it, and the seller's return policy. If the item is damaged or doesn't match the listing description, you can return it even if the seller's returns policy says they don't accept returns. If you've changed your mind and no longer want an item, you can still request a return, but the seller doesn't have to accept it. If the buyer changes their mind about a purchase and wants to return an item, they may need to pay return postage costs, depending on the seller's return policy. Sellers can provide a return postage address and additional return postage information for the buyer. Sellers pay for return postage if there's a problem with the item. For example, if the item doesn't match the listing description, is damaged or defective or is counterfeit. By law, customers in the European Union also have the right to cancel the purchase of an item within 14 days beginning from the day you receive, or a third party indicated by you (other than the carrier) receives, the last good ordered by you (if delivered separately). This applies to all products except for digital items (e.g. Digital Music) that are provided immediately to you with your acknowledgement, and other items such as video, DVD, audio, video games, Sex and Sensuality products and software products where the item has been unsealed.
Sellers have to offer a refund for certain items only if they are faulty, such as: Personalised items and custom-made items, Perishable items, Newspapers and magazines, Unwrapped CDs DVDs and computer software. If you used your PayPal balance or bank account to fund the original payment, the refunded money will go back to your PayPal account balance. If you used a credit or debit card to fund the original payment, the refunded money will go back to your card. The seller will effect the refund within three working days but it may take up to 30 days for Paypal to process the transfer. For payments funded partially by a card and partially by your balance/bank, the money taken from your card will go back to your card and the remainder will return to your PayPal balance.