NewestSmall lenders, organizations & business credit
Landlords: tracking rent, deposits and partial payments
With two or ten units, the money questions are the same: who paid, who paid part, what you're holding as deposits, and what you can prove.…
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Guides for money between people
Practical, plain-English guides on lending to friends, IOUs, splitting bills and getting paid back.
Latest articles
Repayment, reminders & debt payoff
Snowball vs avalanche: paying off what you owe
Smallest balance first or highest interest first? We ran both methods on the same three debts, including a loan from a friend, and the answer is…
IOUs & agreements: plain-English basics
What makes an IOU stronger if there is ever a dispute
Nobody writes an IOU expecting a fight. But if memories ever split, a few specific details decide whether your note settles the question in a minute…
Lending to friends & family
How to say no when someone asks to borrow money
Copy-and-send messages for turning down a loan request without a lecture or a lie, for a friend, a relative, a repeat borrower or a request to…
Using IOUEZ, and money across borders
Groups in IOUEZ: trips, roommates and events
A weekend cabin, four people, four receipts. Here is a seven-step playbook for running it as a group in IOUEZ, from the first expense to the…
Repayment, reminders & debt payoff
How to pay back a friend faster: a 30-day plan
Owing a friend money sits on your shoulders even when they're kind about it. This 30-day plan shows how one illustrative borrower found $528 in a…
Small lenders, organizations & business credit
Payment reminders for small businesses: what actually works
Most late payers aren't refusing, they're forgetting, juggling or embarrassed. These reminder scripts are built for that: specific, friendly, and firmer only when they need to…
Repayment, reminders & debt payoff
Simple interest vs a flat fee: what’s fair between friends
A $60 fee and 5% interest sound about the same. Depending on how the loan is repaid, one can cost twice as much as the other.…
Using IOUEZ, and money across borders
Using IOUEZ on Android and the web together
One account, two front doors. Here are straight answers about how the web app and the Android app share your agreements, and which one to reach…
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