* IOU Track is record keeping for the rest of us.

* It's for those of us who split expenses with others.

* It's expense reports that get filed.

* It's financial awareness

* It's FREE

* It's bartering dollars, time, miles or favors.

Freelance Workers - Simple tracking of time, expenses and documentation. Powerful, but no need for an accounting degree.

Business Travelers - If you report expenses then you NEED IOU Track. Use your smart phone to record expenses when they happen and upload receipts right away. When your trip is over click the "Invoice" link and you're done.

Mileage Trackers - IOU Track makes it easy to track your mileage and even easier to get reimbursed.

Friends Splitting Time or Expenses - On a recent trip with friends, one paid for the hotel, another paid for the rental car and another paid for a tour. At the end of the trip we were able to settle up with a simple click on my iPhone.

Non-Friends Splitting Time or Expenses - Do you and an ex-spouse split expenses? An IOU Track account is the perfect way to track and document your expenses.

Simple is the best way to describe how IOU Track works.

Step 1: Register by entering your name, email address and a login password. We ask for the minimum amount of information and we keep it as secure as possible.

Step 2: Create An Account to keep track of your expenses. You'll enter the title of the account and the other person/people in the account. You can have multiple accounts and it's easy to swap back and forth.

Step 3: Enter Your Expenses as they happen using your smartphone. It's easy to upload photos, receipts or other documentation so your record keeping is done "on the fly".

Step 4: Get Paid or settle up. When it's time, click the "invoice" or "settle" link and you're done. Everyone involved knows who owes who what.

Note About Getting Paid...you can either settle up in cash, time, miles OR you can barter. If Bill owes Jane $33.27 he can either settle up with cash or offer to mow Jane's yard before the weekend party.