This is a type where the money-inserting refill and the check-off sheet are separate. This is a set of 3 sheets (2 sheets per set x 3 sets). You can save a total of: 10,000 yen 15,000 yen 20,000 yen. *Binder not included. Made with plain paper, so the refill will be slightly see-through on the back. As this is handmade, please refrain from purchasing if you are concerned about slight cutting imperfections.