The DeliBabki Blog
How to split expenses with friends, flatmates and family — without arguments or spreadsheets. Explainers, how-tos and honest app comparisons.
Splitting the Restaurant Bill Fairly
Four ways to split a restaurant bill and when each one fits: three rules for a fair cheque, the diner's dilemma, and a 30-second split with no arguments.
Read the article →Инструменты и аналоги приложений
Is Splitwise Free? Limits, Pro and What Changes
What the free Splitwise plan limits, what Pro charges for, whether the trial auto-renews, why some debts stay hidden, and what users in Russia should do.
Read →What Is the Porovnu App, and Why It Is Not a Bill Splitter
The Porovnu app is listed as a trips and shared-expenses service, but it is an Alfa-Bank mobile client. Where the confusion comes from.
Read →Russian Apps for Splitting Bills and Shared Expenses
Russian expense-splitting services in 2026: Porovnu, Holder and DeliBabki, plus bank SBP collection links and Telegram bots.
Read →Which Bill-Splitting App to Choose in 2026
Splitwise, Tricount, Settle Up, Splid, Porovnu and Holder: which bill-splitting app makes sense in 2026. Prices, limits and how each works in Russia.
Read →Tricount vs Settle Up vs Splid
Tricount, Settle Up and Splid compared: what is genuinely free, offline mode, multi-currency, export, and the one limitation all three share.
Read →Expense Splitting Strategy 2026: Guide to Apps
Why Splitwise and Tricount added limits, and what to use instead in Russia. A tour of expense-splitting apps and the transfer-minimising algorithm.
Read →Best Free Splitwise Alternatives in 2026
Free Splitwise alternatives compared for 2026: daily limits, ads and availability in Russia. Four apps for tracking shared debts without a subscription.
Read →How to Replace Splitwise and Tricount in Russia in 2026
Splitwise and Tricount restrict access and payment from Russia. What to replace them with: expense splitting without a subscription, VPN or foreign card.
Read →How to Split Expenses in Telegram: Bots and a Group Link
Splitwise alternatives inside Telegram: which expense-splitting bots exist, their trade-offs, and why dropping a group link into the same chat is simpler.
Read →Shared Expenses Spreadsheet: Excel and Google Sheets Template
A ready shared-expenses template for Excel and Google Sheets: who-owes-whom formulas, setup instructions, and when a spreadsheet stops being enough.
Read →How to Split a Bill by Photo: Review of Receipt Scanning Apps and OCR
How receipt-scanning (OCR) works: splitting a bill from a photo without typing items in by hand, and why the algorithms still misread some receipts.
Read →Offline Expense Trackers: How to Split Bills without Mobile Internet
How to keep a shared budget on a hike, in the mountains or abroad with no mobile internet and no roaming, and where PWA apps help.
Read →How to Calculate Who Owes Whom: Minimizing Transfers
How to work out who owes whom in a group and collapse dozens of transfers into a handful. The debt-simplification algorithm explained without formulas.
Read →Кафе, рестораны и застолья
What a Separate Check Is and Whether the Restaurant Has to Split It
What a separate check is, how it differs from splitting kitchen and bar, whether a restaurant must split by guest, and what to do if the waiter refuses.
Read →Can You Refuse a Restaurant Service Charge? The Law and How to Ask
Is a service charge in the bill legal: clause 19 of Rules No. 1515 and article 16 of the consumer protection law, and how to politely ask for it to be removed.
Read →Creative Tip Jar & Card Collection Ideas: 30+ Funny Topics
Creative captions and ideas for tip jars, card collections and SBP QR codes, for bars, coffee shops, offices and groups of friends.
Read →Why Restaurants Split the Bill Between Kitchen and Bar
Why restaurants issue separate cheques for food and alcohol, whether it is legal, how EGAIS and tax rules drive it, and how to split such a bill fast.
Read →How to Split a Bill by Items: a Step-by-Step Guide
How to split a bill exactly by items when everyone ordered something different: a step-by-step method, shared dishes, service charge, done in a minute.
Read →Who Pays at a Restaurant: Etiquette for Dates, Business Lunches and Friends
Who pays at a restaurant by etiquette: dates, business lunches, birthdays and groups of friends. Phrases for proposing separate cheques before ordering.
Read →How to Split a Bill for a Large Group of 20–30 People
Splitting a bill for a banquet or a party of 20-30: how to collect the money, what to do about shared dishes and latecomers, and how to settle without chaos.
Read →What Is a Restaurant Service Charge and How to Split It
What a restaurant service charge is in plain terms, what it covers and how it differs from a tip. Reverse tip formula and how to split the charge fairly.
Read →I Didn't Drink That: How to Split a Bill When Someone is Sober
How to split a bill fairly when someone in the group is sober or vegetarian: restaurant etiquette, the alcohol dilemma, and polite phrases that work.
Read →Online Tip Calculator and Bill Splitter
A free tip and bill-splitting calculator. Enter the total, the tip percentage and the number of people, and get the per-person amount instantly.
Read →How to Split Dacha and Barbecue Costs Fairly
Barbecues and weekends at the dacha: how to split food and meat costs fairly, account for non-drinkers and vegetarians, and collect the money without arguing.
Read →Путешествия и поездки
How to Split Shared Expenses on a Trip with Friends
Tracking shared costs on a trip: small purchases, several currencies, a rented villa. The common-pot method versus an expense tracker, and which works better.
Read →Collecting Money for a Group Trip or Corporate Event
Collecting money for a group trip or company party: a transparent expense group, a formula for people joining part-way, and how to handle late payers.
Read →Multi-Currency Expenses: How to Calculate Travel Debts in Different Currencies
How to settle shared travel debts when people paid in lira, euros, roubles and dollars: conversion rules and how to keep the split straight.
Read →Праздники и события
What to Give a Manager from the Team: Ideas by Budget
What people give a director or manager for a birthday or milestone, what amount is considered normal, how to present it, and which gifts create awkwardness.
Read →What to Give a Colleague from the Team: Ideas by Occasion
When cash beats an object: what a team gives for a wedding, a new baby, a milestone, a farewell or a housewarming, and which gifts almost always miss.
Read →How to Ask for Money Instead of a Gift: Ready Wordings
How to ask for money instead of a gift for a birthday, milestone or wedding: a three-part formula, wordings for guests and the work chat, and replies to objections.
Read →Chat Group Name Ideas for WhatsApp and Telegram: 140+ Options
Ready names for chats and groups: colleagues, parents' committee, kindergarten, trips, birthdays, weddings, neighbours. Funny and neutral options.
Read →Thanking Colleagues for a Newborn Gift: 30 Ready Messages
How to thank colleagues for congratulations, a gift and the money collected for a new baby: short and longer texts, plus humorous versions.
Read →How to Treat Your Colleagues: Office Treat Etiquette for Birthdays, Newborns, and Farewells
Office treat etiquette: what to bring and how much, how to invite the team for pizza or cake in the chat, rules for remote staff, and coping with a small budget.
Read →Announcing Your Newborn or Wedding to Colleagues: Personal Messages and Etiquette
How to tell colleagues and your manager about a new baby or a wedding yourself: a formal note upwards, a warm message to the team chat, and thanks for the gift.
Read →What to Write on the Envelope, in the Card and in the Payment Note
What to write with a cash gift: envelope and card wording for a new baby, wedding, milestone or farewell, and what to put in the payment reference.
Read →Announcing a Colleague’s News to the Team: Email Templates for Every Occasion
Ready announcements for the team: wedding, new baby, milestone birthday, retirement, parental leave and bereavement. Structure, subject line and tone for each.
Read →How to Give a Monetary Gift to a Colleague: Etiquette & Speech Ideas
The etiquette of handing over a cash gift from the team: what to say at a farewell, a milestone birthday or a new baby, and how to present the envelope.
Read →How to Track Gift Collection Lists in Group Chats Politely
How to keep a list of who has paid in a work or parents' chat: neutral wording, checklist formatting, and why posting a list of debtors backfires.
Read →Colleague Birthday and Milestone Gift Collection: 15 Ready Messages
Ready announcements for a colleague's birthday or milestone collection: how much to give for a big one, how to state the amount and deadline, and how to collect.
Read →Collecting for a Colleague’s Wedding: How Much and What to Write
How much to give for a colleague's wedding, cash or a present, and who runs the collection. Ready texts for the team chat and for the email round.
Read →Funny Gift Collection Messages: 30+ Templates With Humour
How to ask colleagues for money with a joke: funny announcements for birthdays, parties and farewells, light-hearted reminders, and where the humour should stop.
Read →March 8 Gift Collection: How Much to Chip In and What to Write
How much to chip in for gifts for female colleagues and teachers on March 8, when to announce the collection after February 23, and ready chat messages.
Read →February 23 Gift Collection: How Much to Chip In and What to Write
How much to chip in for gifts for male colleagues and boys in the class on February 23, when to announce the collection, and ready chat messages.
Read →How to Ask Colleagues to Split a Gift for a New Baby: 12 Templates
Ready messages for a new-baby gift collection at work, from a formal HR note to a light message in the team chat. Etiquette and how to sign the card.
Read →How to Collect Money for a Boss's Gift: Etiquette and Templates
How to announce a collection for the boss's gift without awkwardness: hierarchy, an amount nobody resents, and six ready templates for colleagues.
Read →How to Collect Money for Farewell or Retirement Gifts for Colleagues
Ready notes for a leaving, retirement or maternity-leave collection: how much to chip in, when to announce it, and what makes a good parting gift.
Read →Going on Parental Leave: Farewell Letters to Colleagues and Clients
How to say goodbye before parental leave: a message for the work chat, a client email, a last-day speech and a thank-you for the gift. Fourteen ready texts.
Read →Creative Group Chat Names and QR Code Captions for Gift Collections
Fifty-plus creative names for gift-collection groups in Telegram and WhatsApp, captions for SBP QR codes, and subject lines for the email round.
Read →How to Split Costs for a Corporate Party and New Year
How to collect and fairly split the cost of a company party or New Year dinner: a transparent kitty, a formula for non-drinkers, and handling late payers.
Read →Shared Budget for a Wedding, Bachelorette, and Bachelor Party
Running a shared budget for a wedding, hen or stag party: who pays for what, how to collect from guests, and how not to fall out over the money.
Read →How to Collect Money for a Gift for a Colleague, Teacher, or Friend
How to organise a group gift collection: how much to chip in, how to collect from everyone transparently, and how to chase late payers without awkwardness.
Read →How to Announce a Gift Collection: Message Templates
What to write to colleagues about a gift collection: ready chat messages, how to state the amount and deadline, and how to collect without awkward reminders.
Read →How Much to Chip In: Benchmark Amounts for 2026
How much to chip in for a colleague's gift, a wedding, a new baby, a funeral, March 8 or the class fund. Benchmark amounts for 2026 and how they get set.
Read →Congratulating a Colleague on a New Baby: 25 Messages
Ready congratulations for a colleague's new baby: formal from the company, warm for the team chat, for a daughter, a son or twins, and what to avoid saying.
Read →We Are Short: How to Ask for a Top-Up Without Annoying Everyone
How to say the money collected fell short and more is needed: twelve texts for parents' chats, the office and trips, and when to cut the budget instead.
Read →Collecting for Coffee, Water & Office Supplies: Templates and Automation
How to run a recurring office collection for coffee, water and paper without friction: ready announcement texts and a simple way to keep the records.
Read →Школа и детский сад
What Is a Class Fund: Purpose, Legality and How to Run It
The class fund in plain terms: how it differs from one-off collections, what it pays for, whether it is legal, and how to run it openly.
Read →Parent Committee Spreadsheet: Budget, Contribution Log and Excel Template
How to keep a parent-committee spreadsheet: sheet structure, a budget for the school year, a who-has-paid log, the balance formula and an Excel export.
Read →Kindergarten Graduation Budget: Cost List and Collection Schedule
What a kindergarten graduation costs: an itemised list, a sample budget for the group, a month-by-month collection schedule, and what to do with the leftover.
Read →Teacher's Day Money Collection (October 5): Budgets, Gifts, and Parent Chat Templates
The Teacher's Day collection: how much a class usually raises, what to give subject and class teachers, the legal gift limit, and ready parent-chat texts.
Read →Collecting Money for Kindergarten Teacher Day (September 27): Gifts, Amounts and Chat Templates
Running a collection for Kindergarten Teacher Day on September 27: comfortable amounts, gift ideas for keyworkers and assistants, and twelve ready chat texts.
Read →What Goes into Class and Kindergarten Needs: Checklist and Budget Template
A full purchase list for a parents' committee: stationery, cleaning supplies, water cooler, first-aid kit, gifts. A yearly budget with prices and justifications.
Read →Collecting for Teacher's Flowers and Gifts on September 1: Templates & Etiquette
Collecting for the teacher's flowers and gift on September 1: one bouquet from the class, the Children Instead of Flowers campaign, and twelve ready chat texts.
Read →Parent Committee Treasurer Guide: Collecting Money and Managing the Class Budget
A step-by-step guide for a parent-committee treasurer: where to collect the money, how to avoid 115-FZ account freezes, and how to keep records without spreadsheets.
Read →School Renovation, Curtains & Furniture Collections: Legality, Budget & Templates
How to legally run a collection for classroom repairs, paint, flooring, curtains or windows: what the law says, a sample budget, and twelve diplomatic chat texts.
Read →Class Fund for the New School Year: Budget Template and Amounts
How to open a class fund for the new school year: a nine-month budget, benchmark amounts for year one, and announcement texts for the parents' chat.
Read →The Graduation Collection: Budget, Timing and Announcement Templates
How to run a graduation collection for years 4, 9 and 11 or kindergarten: what the budget covers, when to start, and ready announcements.
Read →School Money Collections in Russia: What Must Be Free and Can You Say No
Must parents pay into a class fund, what schools must provide free under Russian law 273-FZ, how to decline politely, and where to complain about pressure.
Read →Collecting Money for Schoolbooks, Workbooks and Stationery: Templates
Ready notes to parents about collecting for workbooks, atlases and stationery: what the school must supply free, what a set costs, and how to buy in bulk.
Read →Class Fund Collections: Parent Chat Announcement Templates
Ready announcements for a parents' committee collection: class needs, water and stationery. Typical amounts, how to report back, and handling non-payers.
Read →Parent Committee Financial Report: Templates and Leftover Money
Sample parent-committee financial reports: after a purchase, per term and per year. How to account for the leftover, keep receipts and hand over the pot.
Read →Kindergarten Group Fund Collections & Yearly Budgeting: Templates
Announcement templates for a kindergarten group fund: the yearly pot, cleaning supplies and stationery. How to draft a budget and raise the contribution calmly.
Read →Collecting Money for Teachers and Coaches: Group Chat Templates
How to run a collection in a parents' chat or a sports club without conflict. Ready messages for a teacher, a nursery keyworker and a coach.
Read →Дом, семья и соседи
Family Budget: Shared Finances Without Arguments
How to run a family budget: the main budgeting models, the mistakes couples repeat, and how to automate tracking shared spending with a partner.
Read →Shared Budget with a Partner or Roommates
A shared budget with roommates or a partner without spreadsheets: debt minimisation, two-minute bookkeeping and a separate group per expense category.
Read →How to Split Utilities and Rent Costs with Roommates
How to split utilities, rent and shared shopping in a flatshare: what to divide equally, what to meter, and how to keep records without arguments.
Read →Who Pays Utilities in a Rental: Tenant or Landlord
Who pays utilities in a rental by default, the arrangements a lease can set, what to record at move-in, and who owes the debt run up before you arrived.
Read →The Equity Formula: How to Split Expenses with Unequal Incomes
How to split shared costs fairly in a couple when incomes differ a lot. The proportional budget, the formulas behind it, and a share calculator.
Read →Renting with Friends: How to Fairly Split Rent for Different Room Sizes
How to split rent fairly when rooms differ in size or two people share one: the maths, the shared-space share, and how to make it feel fair to everyone.
Read →Money Collections in a Building Chat: Intercom, Barrier, Concierge
How to run a collection among neighbours: ready notices for the intercom, the barrier, the concierge and helping a neighbour, and what needs a residents' vote.
Read →Tax Risks: Do You Need to Pay Income Tax on Regular Card Transfers?
Russian tax rules and the 115-FZ anti-laundering law: are regular transfers from friends for rent or dinner taxable, and how to avoid a card being frozen.
Read →Where to Collect the Money: Card, Collection Link, Jar or Cash
Where to take contributions for a class, a gift or an event: a personal card, a bank collection link, cash or a separate card. Trade-offs and 115-FZ risk.
Read →Деньги и отношения
How Much Colleagues Contribute for a Funeral: Practical Guidance
How much colleagues usually contribute for a funeral: benchmarks by closeness, who takes part, and how to announce it without naming a sum.
Read →Thank You Messages for Condolences and Financial Support: 18 Templates
How to thank colleagues, friends and family for financial help and condolences after a loss: ready texts for the work chat, messengers, email and in person.
Read →Financial Aid Collection When a Colleague Loses a Family Member: Announcement Templates
How to announce a collection tactfully when a colleague loses a parent, spouse or child: sample messages, rules of tact, and amounts nobody finds awkward.
Read →Memorial and Funeral Notice Templates: 15 Announcements for Work, Neighbours & Social Media
How to write and post a notice of a death and the time and place of the service: sample obituaries for colleagues, building chats and social media.
Read →Medical and Emergency Aid Collections: Templates for Colleagues, Parents and Social Media
How to announce a collection for treatment, surgery, rehabilitation or fire and accident relief: consent, documents, open reporting and fourteen ready texts.
Read →Can You Say No: Declining an Office Money Collection
Do you have to join a collection for a colleague or the boss, how to decline politely, and what to say under pressure. Twelve refusals and rules for organisers.
Read →Thank You Messages for Money Gift from Colleagues: 20+ Templates
How to thank colleagues for a cash envelope or a gift for a new baby, a birthday or a farewell: ready messages for team chats and email.
Read →Funeral Collection Announcement Templates: 12 Examples
Ready texts for a funeral collection for a colleague or their family: chat message, formal email, wreath collection, payment note and the report afterwards.
Read →A Public Funeral Fundraiser: How to Post It So People Trust It
How to post a public funeral fundraiser so people trust it: what to write, how to verify the appeal, guard against swapped payment details, and report back.
Read →How to Write a Message for Employee Financial Aid or Condolence Collection
How to announce a funeral collection or financial aid during illness or emergency: typical amounts, who organises it, message templates and what to avoid.
Read →How to Repay a Friend and Keep the Friendship
How to remind a friend about a debt and get your money back without damaging the friendship: why it feels awkward, scripts, and how to log debts upfront.
Read →How to Politely Remind Someone About a Debt: 15 Templates
Ready message templates for chasing a debt without damaging the relationship: first reminder, follow-up, large sums and overdue debts, plus what backfires.
Read →Reminding People Who Have Not Chipped In: 16 Templates
What to write to a parent or colleague who has not paid: a general chat nudge, a private message, and when to close the collection. Why debtor lists are off-limits.
Read →How to Avoid Money Arguments with Friends and Partners
Why money divides people who are close, and how to prevent it: transparent tracking of shared spending, group ground rules, and tools that defuse tension.
Read →What to Do When a Friend Always Forgets to Split the Bill: Polite Strategies
How to remind a friend about money politely, stop feeling awkward about asking, and automate reminders without conflict or passive aggression.
Read →Stop doing the maths in your head
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