Generic Black Crocodile Embossed A6 Cash Budget Planner Binder with Zipper Envelopes

Black A6 binder with crocodile embossed texture and 6-ring mechanism. Snap button closure. Includes a clear zipper envelope labeled 'Personal' and decorative charms with faux pearl and fabric accents. Pre-owned with no visible wear to the binder itself. Minor wear on the decorative charms and light wear on the zipper pouch.