Tracking utang without ruining the friendship

Money you lent out is still your money. Write it down the same day.

Two people shaking hands over a table

Lending to family and friends is normal here and rarely documented. The awkwardness is not in the lending, it is in the remembering, because six months later neither of you is certain of the amount.

Record it at the moment it happens: amount, date, who, and what it was for. Not to be suspicious, but because memory is genuinely unreliable and a written number spares both of you the negotiation later.

A Philippine one-piso coin

Do the same for money you borrowed. Being the one who forgets is worse than being the one who asks.

A Philippine one-peso coin

Tarsi tracks both directions, money you owe and money owed to you, with payments logged against each balance, so a partial repayment does not reset the story.

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