Product6 min read
How debt simplification works, and when not to use it
Ten people owing ten people collapses into four payments. Here is the arithmetic, and the one case where you should switch it off.
Jonas M. ·
Jonas M.
Product, Expenso
Product contributor to Expenso’s splitting tools
Jonas works on the part of Expenso that decides who owes what. He writes about the mechanics of shared money — why simplified debts work, where splitting rules break down, and what actually changes when a bill repeats every month.
Areas of expertise
- Split methods
- Recurring expenses
- Debt simplification
10 guides by Jonas
Travel6 min readWho pays for a bachelorette or bachelor party
Publish the per-person number before anyone books anything. Every other problem with these trips descends from skipping that step.
Jonas M. ·
Money & People6 min readHow to organise a group gift without paying for it yourself
The organiser almost always ends up subsidising the collection. Two decisions, made in the first message, prevent it.
Jonas M. ·
Money & People6 min readHow to split subscriptions and family plans with friends
One person’s card, five people’s logins, and a monthly total nobody has looked at since the year it started.
Jonas M. ·
Travel6 min readHow to split gas money and driving costs on a road trip
The fuel maths takes thirty seconds. The part groups get wrong is what the car itself is worth.
Jonas M. ·
Product6 min readHow to choose a bill-splitting app
Seven things to check before you move a household’s money history into a new app.
Jonas M. ·
Money & People5 min readHow to split a restaurant bill (including tax and tip)
Equal, by item, or somewhere in between — and where the tax and tip actually belong.
Jonas M. ·
Product3 min readExpenso vs Splitwise: which is better for splitting rent?
Both apps track shared expenses and simplify who owes who. The difference shows up in what a household pays for, and in how many expenses the free plan lets you log.
Jonas M. ·
Rent & Housing2 min readWho pays for what: splitting utilities and shared bills
Internet, power, water and the bills nobody remembers until they arrive.
Jonas M. ·
Money & People2 min readHow to ask a friend to pay you back
Scripts that keep the money conversation from costing you the friendship.
Jonas M. ·