Billfold with integrated notepad and writing utensil

A billfold comprising:

• two rectangular body panels each having an outer surface and an inner surface, wherein the two rectangular body panels are hingedly joined along a folding axis such that the billfold can be selectively folded to be in a closed position or an opened position;
• wherein
• the inner surface of one rectangular body panel comprises:
• an essentially rectangular recessed contour positioned such that the edges are parallel to the edges of the second rectangular body panel and dimensioned to receive a standard notepad;
• a first retaining panel positioned to cover the edge of the rectangular recessed contour that is adjacent to and parallel to the folding axis;
• a second retaining panel positioned to cover the edge of the rectangular recessed contour that is opposite the edge covered by the first retaining panel, wherein the first and second retaining panels are fabricated from a material having sufficient elasticity to conform and maintain pressure on the notepad thereby functioning to secure the notepad carried within the rectangular recessed contour;
• a first open-ended cylindrical sleeve attached along its longitudinal axis to an outer edge of at least one of the two rectangular body panels along the folding axis, wherein the first cylindrical sleeve is dimensioned to receive one leg of a two-legged money clip;
• and
• a second cylindrical sleeve attached along its longitudinal axis to an edge of at least one of the two rectangular body panels that is perpendicular to the folding axis, wherein the second cylindrical sleeve comprises a least one open end and is dimensioned to accommodate a writing instrument.