Perpax Journalhttps://perpax.goldmend.com/journal/index.html Guides to splitting bills fairly with friends, housemates and travel groups, by Goldmend Money. en© 2026 Goldmend StudioMon, 09 Nov 2026 09:00:00 +0800 How to split a restaurant bill fairly: equal, by item or by sharehttps://perpax.goldmend.com/journal/01-split-a-restaurant-bill-fairly.htmlhttps://perpax.goldmend.com/journal/01-split-a-restaurant-bill-fairly.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneyEating outThree fair ways to split a restaurant bill (equal, by item and by share) with a worked Singapore example. Service charge and GST in Singapore: the 10% and 9% maths, explainedhttps://perpax.goldmend.com/journal/02-service-charge-and-gst-in-singapore.htmlhttps://perpax.goldmend.com/journal/02-service-charge-and-gst-in-singapore.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneyEating outWhat "++" means on a Singapore menu, why GST is charged on the service charge, and the 1.199 shortcut. Splitting the bill in Malaysia: service charge, tax and the mamak runhttps://perpax.goldmend.com/journal/03-splitting-the-bill-in-malaysia.htmlhttps://perpax.goldmend.com/journal/03-splitting-the-bill-in-malaysia.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneyEating outService charge, service tax and the mamak run: how to read a Malaysian receipt and split it with one multiplier. Tips and tax when splitting a bill in the USAhttps://perpax.goldmend.com/journal/04-tips-and-tax-when-splitting-in-the-usa.htmlhttps://perpax.goldmend.com/journal/04-tips-and-tax-when-splitting-in-the-usa.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneyEating outSales tax, tipping and large-group service charges in the US, with a worked three-way split. Splitting the bill in Australia: no tipping pressure, but watch the surchargeshttps://perpax.goldmend.com/journal/05-splitting-the-bill-in-australia.htmlhttps://perpax.goldmend.com/journal/05-splitting-the-bill-in-australia.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneyEating outGST is in the menu price, but weekend and card surcharges are not. How to split a bill in Australia. Plan a group trip budget before anyone bookshttps://perpax.goldmend.com/journal/06-plan-a-group-trip-budget.htmlhttps://perpax.goldmend.com/journal/06-plan-a-group-trip-budget.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneyTravelFive steps to agree a group trip budget before anyone books, so the money talk happens once. Splitting a holiday in different currencieshttps://perpax.goldmend.com/journal/07-splitting-a-holiday-in-different-currencies.htmlhttps://perpax.goldmend.com/journal/07-splitting-a-holiday-in-different-currencies.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneyTravelPick one home currency, agree on an exchange rate and watch card fees when a trip spans several currencies. Who owes whom: settle a group in the fewest paymentshttps://perpax.goldmend.com/journal/08-who-owes-whom-fewest-payments.htmlhttps://perpax.goldmend.com/journal/08-who-owes-whom-fewest-payments.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneySettling upWork out each person's balance, then settle any group in the fewest payments. With a worked example. Split the rent fairly when the rooms are not the samehttps://perpax.goldmend.com/journal/09-split-rent-fairly-by-room.htmlhttps://perpax.goldmend.com/journal/09-split-rent-fairly-by-room.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneyHousematesThe shared-plus-room method for splitting rent when bedrooms are different sizes. Split utilities and internet with housemates, without the monthly argumenthttps://perpax.goldmend.com/journal/10-split-utilities-with-housemates.htmlhttps://perpax.goldmend.com/journal/10-split-utilities-with-housemates.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneyHousematesEqual, by room or by use: choose a fair way to split electricity, water and internet, and set a routine. Shared groceries and household items: what to split and what to keep separatehttps://perpax.goldmend.com/journal/11-shared-groceries-and-household-items.htmlhttps://perpax.goldmend.com/journal/11-shared-groceries-and-household-items.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneyHousematesWhat to split and what to keep separate, and three ways to handle shared household buys. The makan kaki group: keeping regular meals fairhttps://perpax.goldmend.com/journal/12-makan-kaki-regular-meals.htmlhttps://perpax.goldmend.com/journal/12-makan-kaki-regular-meals.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneyFriends and moneyKeep a regular meal group fair with a simple monthly tab instead of "I'll get the next one". Splitting a birthday dinner when one person is the guest of honourhttps://perpax.goldmend.com/journal/13-birthday-dinner-guest-of-honour.htmlhttps://perpax.goldmend.com/journal/13-birthday-dinner-guest-of-honour.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneyFriends and moneyTreat the birthday person by splitting the bill among the people paying, with options for big orders. When someone does not drink: splitting drinks fairlyhttps://perpax.goldmend.com/journal/14-when-someone-does-not-drink.htmlhttps://perpax.goldmend.com/journal/14-when-someone-does-not-drink.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneyEating outSplit food equally and drinks only among the people who drank, with a worked example including ++. How to remind a friend to pay you back, without the awkwardnesshttps://perpax.goldmend.com/journal/15-remind-a-friend-to-pay-back.htmlhttps://perpax.goldmend.com/journal/15-remind-a-friend-to-pay-back.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneySettling upFriendly reminder messages, good timing and making it easy for friends to pay you back. Settle up in seconds with instant transfershttps://perpax.goldmend.com/journal/16-settle-up-with-instant-transfers.htmlhttps://perpax.goldmend.com/journal/16-settle-up-with-instant-transfers.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneySettling upPayNow, DuitNow, PromptPay, PayID, UPI and more: settle up at the table, safely. When to split 50/50, and when not tohttps://perpax.goldmend.com/journal/17-when-to-split-fifty-fifty.htmlhttps://perpax.goldmend.com/journal/17-when-to-split-fifty-fifty.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneyFriends and moneyWhen an equal split is fair, and when to split by income, by use or by choice instead. Collecting for a group gift without chasing everyonehttps://perpax.goldmend.com/journal/18-group-gift-collection.htmlhttps://perpax.goldmend.com/journal/18-group-gift-collection.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneyFriends and moneyCollect for a group gift with a set amount, a deadline and a clear list, and handle leftover money. Chalet, barbecue and party costs: splitting a group eventhttps://perpax.goldmend.com/journal/19-chalet-bbq-and-party-costs.htmlhttps://perpax.goldmend.com/journal/19-chalet-bbq-and-party-costs.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneyFriends and moneyRecord costs as they happen and settle a chalet or barbecue weekend in a few payments. Road trips: splitting petrol, tolls and parking fairlyhttps://perpax.goldmend.com/journal/20-road-trip-petrol-and-tolls.htmlhttps://perpax.goldmend.com/journal/20-road-trip-petrol-and-tolls.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneyTravelShare petrol, tolls and parking, thank the car owner fairly and handle costs across borders. Keep receipts the easy way: photo, note, donehttps://perpax.goldmend.com/journal/21-keep-receipts-photo-note-done.htmlhttps://perpax.goldmend.com/journal/21-keep-receipts-photo-note-done.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneySettling upA three-second habit for shared receipts, so you never argue about what dinner cost. Splitting with families: by household, not by personhttps://perpax.goldmend.com/journal/22-splitting-with-families.htmlhttps://perpax.goldmend.com/journal/22-splitting-with-families.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneyFriends and moneySplit by household, count children as half shares, and keep family meals relaxed. What to do when a friend never pays you backhttps://perpax.goldmend.com/journal/23-when-a-friend-never-pays-back.htmlhttps://perpax.goldmend.com/journal/23-when-a-friend-never-pays-back.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneyFriends and moneyCheck the facts, ask once with a plan, and decide what the friendship is worth. Office lunches and group delivery orders, split fairlyhttps://perpax.goldmend.com/journal/24-office-lunches-and-group-orders.htmlhttps://perpax.goldmend.com/journal/24-office-lunches-and-group-orders.htmlMon, 09 Nov 2026 09:00:00 +0800 Goldmend MoneyEating outSplit delivery orders by item and share fees and discounts fairly across the office.