A lot of people use PayPal for Ebay or online sales, but money-transfer app "venmo" skyrocketed to popularity in 2016.
First, download Venmo from your app store. Then, as with most apps and services, create a username or password.
You'll want to link your checking account to avoid any charges that come with paying others using credit.
You can pay one of your friends right from your phone and describe what you're paying for using emojis.
An added bonus for those of us who know people who like to skip on the check... You can request payment from someone right from the app.
It's a convenient app that's joined the rankings of PayPal and Square Cash. The best part? It's free to use.
Happy Saving!
