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Journal

Split fairly, stay friends

Practical guides by Goldmend Money, with examples for Singapore, Malaysia, Australia and the USA. They will also be in the Perpax app.

Four friends laughing around a round table at a casual restaurant, sharing plates of food.

Eating out

How to split a restaurant bill fairly: equal, by item or by share

By Goldmend Money · 2 min read

A restaurant table after a meal, with a bill in a leather holder.

Eating out

Service charge and GST in Singapore: the 10% and 9% maths, explained

By Goldmend Money · 2 min read

Friends at an open-air mamak restaurant in the evening with roti canai and teh tarik.

Eating out

Splitting the bill in Malaysia: service charge, tax and the mamak run

By Goldmend Money · 2 min read

Three friends at a diner booth with a paper receipt on the table.

Eating out

Tips and tax when splitting a bill in the USA

By Goldmend Money · 2 min read

Friends at a sunny outdoor café in Sydney with flat whites and brunch.

Eating out

Splitting the bill in Australia: no tipping pressure, but watch the surcharges

By Goldmend Money · 2 min read

A travel map, notebook, passports and coffee on a wooden table.

Travel

Plan a group trip budget before anyone books

By Goldmend Money · 2 min read

A traveller's hand holding banknotes at a colourful night market.

Travel

Splitting a holiday in different currencies

By Goldmend Money · 2 min read

Five coffee cups in a circle around a few coins and a notebook.

Settling up

Who owes whom: settle a group in the fewest payments

By Goldmend Money · 2 min read

A bright shared apartment living room with bedroom doors opening onto it.

Housemates

Split the rent fairly when the rooms are not the same

By Goldmend Money · 2 min read

A tidy kitchen counter in a shared flat with a kettle and a plant.

Housemates

Split utilities and internet with housemates, without the monthly argument

By Goldmend Money · 2 min read

Two housemates unpacking grocery bags in a small kitchen.

Housemates

Shared groceries and household items: what to split and what to keep separate

By Goldmend Money · 2 min read

Colleagues sharing lunch at a busy hawker centre.

Friends and money

The makan kaki group: keeping regular meals fair

By Goldmend Money · 2 min read

A birthday dinner with a cake and lit candles in the middle of the table.

Friends and money

Splitting a birthday dinner when one person is the guest of honour

By Goldmend Money · 2 min read

A restaurant table with wine, beer and iced tea between shared dishes.

Eating out

When someone does not drink: splitting drinks fairly

By Goldmend Money · 2 min read

Two friends chatting and smiling on a park bench.

Settling up

How to remind a friend to pay you back, without the awkwardness

By Goldmend Money · 2 min read

Hands holding a phone at a café table beside a cup of coffee.

Settling up

Settle up in seconds with instant transfers

By Goldmend Money · 2 min read

Friends sharing a picnic on the grass by the sea.

Friends and money

When to split 50/50, and when not to

By Goldmend Money · 2 min read

A wrapped gift with an orange ribbon and red packets on a table.

Friends and money

Collecting for a group gift without chasing everyone

By Goldmend Money · 2 min read

Friends at an evening barbecue on a patio with fairy lights.

Friends and money

Chalet, barbecue and party costs: splitting a group event

By Goldmend Money · 2 min read

A car driving along a coastal highway lined with palm trees.

Travel

Road trips: splitting petrol, tolls and parking fairly

By Goldmend Money · 2 min read

A hand photographing a crumpled receipt on a café table.

Settling up

Keep receipts the easy way: photo, note, done

By Goldmend Money · 2 min read

Two families sharing dim sum at a busy restaurant.

Friends and money

Splitting with families: by household, not by person

By Goldmend Money · 2 min read

A person sitting by a window with tea, looking out at a rainy street.

Friends and money

What to do when a friend never pays you back

By Goldmend Money · 2 min read

Delivery bags and boxed lunches on an office meeting table.

Eating out

Office lunches and group delivery orders, split fairly

By Goldmend Money · 2 min read