I have used these columnar books for years for all of my accounting/bookkeeping projects. I store the pages in a 3-ring binder for easy reference. I have binders for our business our personal finances and one for each of my 3 parents. I still find paper and pencil to be most effective for quick reference and comparison.
The pages are designed just at I needed. The only problem with these and it's a big headache is when tearing off the pages where the holes are it catches and tears it. So then you have to use hole repair circles to fix your brand new pages.
I like the 5 column format (there are sometimes 5 weeks in a month). I use it to budget and track my household expenses and ensure that the basic budgeting requirements are met. The typical accounting layout is perfect but I wish the description column were a bit wider not enough room to write what the expense is! The price of these pads has really become insane....I mean REALLY!