Whether it's a loan, a payment plan on a big purchase, or money you owe a friend, the Debts section helps you keep track of what you owe and stay on top of paying it down. The key decision when setting one up is whether to link it to an account — meaning each payment creates a real transaction and actually moves your balance — or leave it unlinked, purely for keeping tabs on something without it touching your finances at all (perfect for an informal IOU).
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