BudgPay Personal Ledger: How to Track Money Friends and Family Owe You

Not every IOU belongs in a group budget. You lent a friend ₹500 for lunch, your sibling still owes you for that flight they asked you to book, a coworker borrowed cash before payday - none of that involves a "group," and setting one up just to track it would be overkill. That's exactly what Personal Ledger is for.

What makes it different from a group budget

Group budgets in BudgPay are shared - every member of a "Flat 4B" or "Goa Trip" budget sees the same expenses and contributions. Personal Ledger is the opposite: it's private to you. Nobody else can see it, not even the person it's about, and nothing you log there affects any group budget's totals. It's just your own record of one-off money between you and one other person at a time.

How it works

1. Open Personal Ledger from its own tab - it's not nested inside any group budget.
2. Add an entry and pick who it's with. This only ever uses the one contact you select for that entry, not your full phone address book - BudgPay never reads or syncs your contacts beyond that single pick.
3. Log the amount and a short note - what it was for, so you're not staring at a number with no context six weeks later.
4. Check the summary view any time to see, at a glance, who owes you and who you owe - across everyone you've logged, not just one person.
5. Mark it settled once you're paid back or you've paid up.

Reminders, so it doesn't just sit there

Once an entry's logged, BudgPay can send a reminder about it - the point isn't to nag anyone, it's so the entry doesn't quietly become one of those debts nobody remembers the details of a month later.

A few situations it's built for

• A friend paying you back for concert tickets you booked
• Covering a sibling's share of a gift and expecting it back later
• A one-off loan to a coworker, outside of any shared budget
• Splitting a single purchase with someone you don't have a running group budget with

It's free

Personal Ledger costs nothing to use - same as budgets and splitting, it's part of the free BudgPay experience on both Android and iOS.