Guides
Short, practical reads on the money that moves between friends — how to split it fairly, keep track of it, and settle up without the awkwardness.
Even splits, uneven shares, and the person who only had water — a simple way to divide a group bill and actually get paid back.
A plain-English guide to IOUs — what belongs in one, why a note in your phone is not enough, and how to turn it into a record you both trust.
The awkwardness comes from ambiguity, not the money. A few simple habits keep a loan between friends clear, fair, and drama-free.
A record only one person can see is just a memory with extra steps. Here is why both people confirming changes everything.
Unequal rooms, who-used-what utilities, the housemate who always pays late — a clear system for sharing a home without monthly friction.
Who paid for the van, the stay, the groceries — a simple way to track a barkada trip and settle up fairly once everyone's home.
The message you're dreading is easier than you think. Timing, wording, and a couple of scripts that get you repaid and keep the friendship.
A plain guide to paluwagan — how the rotating payout works, why people trust it, the real risks, and how to run one that doesn't fall apart.
How to pay someone back cleanly with e-wallets — references, screenshots as proof, and keeping a record you both actually agree on.
Looking for a quick answer instead? The FAQ covers the common questions, and the whitepaper goes deep on how the ledger works.