Guide · Money
How to keep track of money you lent to friends
You lend ₹500 for a movie, ₹2,000 for a trip, ₹150 for chai. A month later you can't remember who still owes you what, and asking feels awkward. Here's a simple system that fixes that.
Why it slips
Small loans live in WhatsApp chats and memory. Neither reminds you, neither adds things up, and both are easy to argue with later (“I'm sure I paid you back”). The fix is to write each loan down the moment it happens, in one place, with a date.
A system that works
- Write it down right away. Who, how much, what for and the date. Ten seconds while it's fresh beats ten minutes of guessing later.
- Add a “pay back by” date if you agreed one. Even a rough one (“end of the month”) helps.
- Check the total once a week. One number: how much people owe you, and how much you owe.
- Remind with facts, not feelings. “Hey, the ₹600 from the 12th, no rush, just checking” is much easier when you have the date in front of you.
- Mark it settled when you're paid, so it stops showing up.
Doing it with KEEPR
In KEEPR you tap + and choose money: “Rahul owes me ₹600, movie, 12 Oct”. KEEPR adds up what everyone owes you, reminds you on the due date and keeps a history. If Rahul uses KEEPR too, you can share the record in Circle so he confirms it, and you both mark it settled together. No more “I already paid you”.
Tips
- Lending to family? Note it anyway: it saves arguments, not trust.
- For splits (trips, dinners), note each person's share, not just the total.
- Keep it private: only you see your records unless you choose to share one.
Keep track of all of it in one private app.
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