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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: ... 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.

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