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Guides for money between people

Practical, plain-English guides on lending to friends, IOUs, splitting bills and getting paid back.

Three documents, one loan. An IOU admits a debt, a promissory note promises to pay it, and a loan agreement spells out what both people will…

Oct 5, 202610 min read

A relative asks for money and the answer feels loaded either way. Here is a calm way to decide: five factors, one decision tree, and a…

Oct 5, 202612 min read

A good monthly statement answers three questions before the customer has to ask: what do I owe, why, and by when. Here is a copyable template,…

Oct 5, 202610 min read

A loan agreement signed on two phones can carry the same weight as one signed on paper, if you set it up properly. Here is the…

Oct 4, 202611 min read

A house account can keep your best customers loyal, or quietly turn your shop into an interest-free bank. Here is how to decide who gets one,…

Oct 4, 202611 min read

A good money text is short, specific and easy to answer. Here are nine messages for small amounts, proper loans, blue ticks with no reply and…

Oct 4, 202611 min read

Five short steps take you from a blank account to a signed IOU with a live balance. Here is what to tap, what to type and…

Oct 3, 202611 min read

You do not need a five-figure loan system to know who owes what. You need one record per loan, one log for every payment, and a…

Oct 3, 202612 min read

The first reminder is the hardest one to send. Here are eight messages for every stage, from a friendly heads-up before the due date to a…

Oct 3, 202612 min read

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