Splitting bills & groups
Splitting trip costs fairly: 5 methods compared
Equal, itemized, by shares, base plus extras, or a kitty? We ran one four-person beach trip through all five methods so you can see what each…
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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
Lending to friends & family
How to lend money to a friend without losing the friendship
Lending to a friend can be one of the kindest things you do, or the start of a slow, awkward silence. The difference is rarely the…
Lending to friends & family
When a friend can’t pay you back: 7 kind options
Your friend wants to pay but can't, or has gone quiet. Here are seven options, from a one-month pause to forgiving the loan on purpose, with…
Using IOUEZ, and money across borders
IOUEZ vs notes, chats and spreadsheets: why a signed record wins
Spreadsheets are brilliant, notes are fast and chats are where deals actually happen. Here is what each one is good at for a personal loan, and…
Lending to friends & family
Lending money to a friend’s business: questions to ask first
A friend's bakery, food truck or startup needs cash, and you have some. Ten plain questions to ask before you hand it over, from who exactly…
Splitting bills & groups
Couples and money: split 50/50 or by income?
Splitting 50/50 sounds fair until one partner earns $6,000 a month and the other $4,000. We ran one couple's budget through four methods to show what…
Using IOUEZ, and money across borders
Sending money home: tracking family support from abroad
Robin sends money from Houston to family in the Philippines every month, and once lent a sibling money too. Here is how a year of transfers…
Repayment, reminders & debt payoff
Late fees between friends: fair or awkward?
A late fee feels like the obvious way to make sure a friend pays on time. Usually it isn't. Seven myths about late fees between friends,…
Small lenders, organizations & business credit
Setting credit limits for customers: a practical method
Credit limits picked by gut feel tend to be too high for the wrong customers and too low for the right ones. This four-step formula fixes…
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