How to organise all your money in one place

Most of us don't have a money problem so much as a scattered-money problem. The £40 a friend still owes you lives in a text thread. The subscriptions quietly renewing each month live on three different cards. The credit-card balance you keep meaning to tackle lives in an app you avoid opening. simpleIOU exists to pull those three money worlds back together so you can actually see what's going on — and this blog is where we show you how.

simpleIOU spans three areas that rarely sit in the same place: IOUs between people, the money you've lent or borrowed from friends and family; subscriptions, the recurring charges that add up faster than anyone expects; and debt, the credit cards and loans you want to see the back of. Each one has its own habits and its own traps, so we've grouped every guide here under those three pillars. Start wherever the noise is loudest for you.

A few honest notes on how the app works, because it shapes the advice you'll read here. simpleIOU is cloud-backed with row-level security, so when you're signed in your entries are tied to your account and no one else can see them — and there's an optional guest mode if you'd rather keep things in your browser for now. We don't link to your bank. Nothing is pulled in automatically; you add what matters to you, by hand, which keeps you in control of the picture. And to be clear: simpleIOU is a tracking aid, not financial advice. The guides below are practical starting points, not recommendations tailored to your situation.

Below you'll find articles organised by pillar. If you're chasing a friendly repayment, start with IOUs. If your monthly outgoings have crept up, head to Subscriptions. If you're trying to choose a payoff strategy, jump to Debt. However you got here, the goal is the same: fewer scattered numbers, one place to see them, and a calmer relationship with your money.