Abstract: In order to personalize a product of the planning calendar/appointment book type, a binder is disclosed having a flexible cover with top, bottom, and a pair of opposed side edges in a flat, unfolded position. The cover has a plurality of pairs of holes disposed along at least one, and preferably a pair, of hole-locating axes extending generally between the top and bottom edges in parallel relation to one another. The hole-locating axes are disposed generally to one side of and parallel to a cover bisecting axis but nearer the cover bisecting axis than a nearest one of the opposed side edges of the cover. The binder kit also includes a plurality of separate binding components, a flexible cord, and a button-like fastener. The binding components may comprise rings each of which is adapted to be associated with one of the pairs of holes in the cover for binding an insert to the cover.