This is a set of 12 A6 binder refills. It is a top-loading type with a lid. The refill shown in the file usage image in the second photo is one that the seller personally uses. Please rest assured that the item you will receive is brand new and unused. There are no ring holes punched, but the round parts can be removed with a light press to create holes. Please remove them yourself before use. We also sell saving sheets separately. If you wish to purchase this together with the saving sheets, please let us know in the comments. If you purchase them together, we will ship them after production, so it may take some time. Thank you for your understanding. We also sell other household budget management goods and planners. If you are interested, please take a look.