track what your slacker friends owe you

in the recent copy of business 2.0 magazine, there was an article about new services popping up regarding 'informal debt' (or informal loans).  these are those little i-owe-you's that you and your close friends/colleagues share.

you know, the ones with the guy at lunch: 'dude, i forgot my wallet, i'll get you next time' type things.

well, one looks simple and is free: billmonk... the article talked about how it was inspired by a group of friends that traveled together a lot and decided they'd just start settling up on debts after the trip so they didn't have to worry about it too much.

pretty nice little idea -- i'll definitely use it.  you can send sms messages to your account to track the spends.  in the premium version, people can actually send you money via phone, etc.