Review my debt tracking app, Piggy Back
ryanhuff: Here are a few ideas.  The debit/credit terminology is too formal.  Use something like "I owe" and "I am owed".I can see myself using this if it was more closely focused on helping me track who I owe money.  The confirmation system you have is too formal.How about this.  I can record who I owe money, or record who owes me money.  If I owe John money, I can optionally choose to send him a note (email) as a friendly reminder.  Maybe integrate with Facebook so he can choose from a list of his friends.  No need to remember an email address.  I can also have it send me reminders to my facebook account or email.