Of all the new free webbie things of 2010, Venmo is definitely one that made its way into my habits. You can pay or charge people either online or via text message, for free. I use it to pay friends who covered the bill for dinner, my mom sends me spontaneous pedicure funds (yes, she is awesome), my younger brothers unexpectedly split the pizza bill with me, I charge my friends who share our AT&T bill, I bought my brother a drink when he was celebrating his 21st birthday in another state….

You don’t have to have a smartphone and if a few of your friends join with you, it’s super handy!

Photo of Venmo’s app, also an option