# Nudj, the blog: full export ## About Nudj publishes plain-English guides on money among people who know each other: splitting, group trips, roommates, couples, family money, recurring rituals, lending and settling up. Nudj is a social ledger app for friends. Site: https://nudjlabs.com ## The Nudj Blog ### Splitting Basics URL: https://nudjlabs.com/blog/splitting-basics A plain-English guide to splitting expenses with friends without the math anxiety or the awkward pause at the table. #### Equal splits URL: https://nudjlabs.com/blog/splitting-basics/equal-splits Equal splits are the simplest rule in personal finance, but they still spark arguments when the deposit, the late arrival, or the kid at the table breaks the clean math. This page walks through eight worked dollar examples, named app behaviors, and paste-ready scripts to help you split bill equally without the drama. #### Proportional splits URL: https://nudjlabs.com/blog/splitting-basics/proportional-splits A plain-English playbook for friends, roommates and couples who want to split bills by income, by usage, by time stayed, or by room size, with dollar examples and scripts. #### Itemized splits URL: https://nudjlabs.com/blog/splitting-basics/itemized-splits How to split bill by item with worked dollar examples, named-app behaviors, and paste-ready scripts for tax, tip, shared appetizers, bar tabs, kids meals, and the awkward edge cases that ruin dinners. #### Multi-currency splits URL: https://nudjlabs.com/blog/splitting-basics/multi-currency-splits Split expenses different currencies without the awkward math. Concrete dollar examples, named app behaviors (Splitwise, Wise, Revolut, Venmo), and paste-ready scripts for every multi-currency edge case. ### Group Trips and Travel URL: https://nudjlabs.com/blog/group-trips A practical playbook for splitting, tracking, and settling group trip expenses without resentment. Methods, named apps, scripts, and worked dollar examples for trips of four to eight friends. ### Roommates and Shared Living URL: https://nudjlabs.com/blog/roommates Splitting bills with roommates is one part math, one part manners. This pillar maps the math first, the manners second, and points you to the right apps, scripts, and rent-splitting models for every shared-living scenario. ### Couples and Partners URL: https://nudjlabs.com/blog/couples A field guide to couples splitting expenses without joint account: the three math methods, the manners that make them work, and the nine money rituals every cohabiting partner runs into. ### Family Money Among Adults URL: https://nudjlabs.com/blog/family-money Lending money to family members is the biggest informal credit market most Americans interact with, worth about $89 billion a year per the Federal Reserve. Forty-two percent of those loans never get repaid. This master guide is the map of the nine recurring situations, the math behind each, and the manners that make or break the relationship. ### Recurring Social Rituals URL: https://nudjlabs.com/blog/social-rituals Recurring social rituals like poker nights, supper rotations, fantasy leagues, and Secret Santa exchanges run on small amounts of money that pile up fast. This pillar maps the math, the manners, and the nine hubs in the family, with named app behaviors and a script the reader can use this weekend. ### Lending Between Friends URL: https://nudjlabs.com/blog/lending A friend asks to borrow money and the math is the easy part. This pillar maps the numbers, the etiquette, the nine sub-areas, and the one rule of thumb you can use tonight to lend money to friend without losing anyone. ### Settlements and Awkward Conversations URL: https://nudjlabs.com/blog/settlements A practical map of money conversations friends have every week: the math, the manners, paste-ready scripts, three real-life scenarios, the seven mistakes that wreck friendships, and when to swap a chat thread for a social ledger app like Nudj.