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QUIZ: How Awkward With Money Are You?

Let’s find out.

Quinn Dombrowski Quinn Dombrowski

EVEN THE SMOOTHEST of operators, the slickest of Ricks in our midst, dread asking their mates for money they’ve borrowed back off them.

There’s just something so awkward about the whole business.

We’re all pretty bad at it (being, by our Irish nature, awkward as a default setting), but just how much do you struggle?

Let’s find out…

1. You’re in a round with your friend, but s/he is on cocktails all night and you are drinking pints. What do you do?
Mention it, but make it into a "joke"
Forget it. You're mates - it'll even out sometime

Stew with resentment, but keep schtum
2. How many times would you contact a mate about €20 they owed you before you let it go?
Once or twice, then just not lend to them again
I'd bring it up just as they have their wallet out #smooth

I'd send them a "helpful reminder" over Whatsapp every time I thought of it
3. Would you ever tag a friend in a public post over sorting out money - for something like a stag or hen do?
Nope, I'd take it to direct messages
Yeah, don't see why not
4. A mate asks to split the bill for dinner, even though they had a starter and no one else did. How do you tackle it?
Pretend they're joking and refuse light-heartedly
Refuse outright. Bit weird but they started it

Painstakingly show the bill and why it's not fair
5. What's your policy on friends and money?
Don't lend what you can't afford not to come back
Take it on a case by case basis with different pals
6. What would be your go-to soft strategy for tackling a friend who has form for not ponying up funds?
Throw some "subtle" hints in the group chat
Screenshot them your dwindling bank balance

Wait til you see them out and ask in person
7. And finally... How awkward do you reckon you are yourself?
I'm Irish - so totally awkward obvs
I have my moments... Often

Ah now, I'm not the worst
Answer all the questions to see your result!
You scored out of !
You got... Super awkward!
Yikes. You've gotten yourself into sticky situations before with money, haven't you? You need some help.
Share your result:
You scored out of !
You got... Very awkward!
You have your moments, but these days every sticky social situation can be sorted out with the wonder of technology. There's an app for that.
Share your result:
You scored out of !
You got... Cool as can be!
You're so slick with lending pals money that you probably already know there's an app for this, don't you? Clever.
Share your result:

Circle lets you send and receive money on your phone, for free – like a text or email filled with cash. You can fire money over to your friends, split bills, convert between currencies, and send requests for people to settle up. And all you need to do is sign up with your phone and debit card. Never suffer awkward interactions over money with friends ever again… Magic.

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8 Comments
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    Mute Keith Twamley
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    Feb 10th 2012, 12:26 PM

    Great news story, a lovely read for a Friday :-)

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    Mute Dan
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    Feb 10th 2012, 12:27 PM

    Fair play to them.

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    Mute Andrew Peacock
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    Feb 10th 2012, 2:32 PM

    who would thumbs down that comment, wankers!

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    Mute Bilbo Baggins
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    Feb 10th 2012, 12:30 PM

    Fair play lads, I wish you much success.

    Thats the sort of innovation Ireland needs.

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    Mute Jay funk
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    Feb 10th 2012, 6:28 PM

    And they have to leave Ireland, wish they could of stayed in Ireland

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    Mute AMAS
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    Feb 10th 2012, 12:35 PM

    Congrats to @patrickc and brother John Collison @collision on latest $18m funding!

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    Mute Cpm
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    Feb 10th 2012, 1:32 PM

    This isn’t Twitter you know

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    Mute Francis Stokes
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    Feb 10th 2012, 12:35 PM

    Delighted to see these two brothers getting on so well.I am sure they will go far. Fair dews to them.

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    Mute Hanly Sheelagh
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    Feb 10th 2012, 3:50 PM

    Fair dues

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    Mute Francis Stokes
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    Feb 10th 2012, 6:33 PM

    I stand corrected

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    Mute Peter Carroll
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    Feb 10th 2012, 12:37 PM

    They deserve it. Their main product has removed one of the last barriers to market for anyone setting up a new business or wanting to operate a small business. Brillant.

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    Mute Mike Turner
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    Feb 10th 2012, 2:01 PM

    Spot on Peter.

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    Mute Katherine Nolan
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    Feb 10th 2012, 12:39 PM

    Couldn’t be happier about this. Great people, great product, great investment.

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    Mute Fr Tod Umptious
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    Feb 10th 2012, 1:03 PM

    Really amazing entrepreneurial spirit but wish it could have been further developed in Ireland rather than California :)

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    Mute Michael Fagan
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    Feb 10th 2012, 1:31 PM

    Why can’t we make it attractive for guys like that to start up/ keep their business in Ireland . What are the politicians doing??

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    Mute Chris
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    Feb 10th 2012, 2:12 PM

    I dont think it can be entirely blamed on politicians..I dont think Ireland has the same startup environment that california has…and I think its a lot to do with our attitude towards entrepreneurs…and lack of VC funding perhaps..I think to imitate an environment like california, Ireland needs a spark, and for lots of people to take risks, both on their own ideas and on other peolpes…and also to think big, these guys obviously have done that but id say they are one of very few in Ireland. Maybe the draw of having like minded people around is what took them to the US?

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    Mute Philip Wilson
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    Feb 10th 2012, 1:06 PM

    First time I’ve ever seen a story on the Journal without a single “thumbs down” good work lads.

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    Mute Philip Wilson
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    Feb 10th 2012, 1:07 PM

    of course just as I send my comment…………ah well, still a great story

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    Mute James Doyle
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    Feb 10th 2012, 1:11 PM

    Great news hope it goes well for the young men,best of luck,it’s what Ireland needs at these times

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    Mute Barry Finnegan
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    Feb 10th 2012, 5:43 PM

    Chris money doesn’t buy genius it’s fairly obvious these boys are something special really proud of them all do I don’t know them

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    Mute Eric
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    Feb 10th 2012, 2:24 PM

    Congratulations to them ! It’s a shame they couldn’t be incorporated in Ireland and employ Irish people, but the truth of the matter is that our universities are not producing graduates of the calibre required to start a tech company and guide it to success .

    A corollary to that is the total funding vacuum that exists for tech startups in Ireland , whether it is venture or angel investment. Enterprise Ireland lack the domain knowledge required – a software startup costs peanuts to fund initially ; most of the cost goes on rent and food but EI and their ilk want to give you way more money than you need in exchange for way more equity than you want to give away, on top of ridiculous conditions like needing to hire a minimum number of people and spend a minimum amount which you will then be reimbursed for.

    We will never have a so called smart economy if this doesn’t change and we will continue to produce mickey mouse companies that turn a tiny profit and hire a tiny amount of staff.

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    Mute Inda Kinny
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    Feb 10th 2012, 2:41 PM

    I don’t agree 100% with the calibre of graduates in Ireland. i think that the problem is more so the numbers of people doing IT/science subjects. There are some pretty smart people coming out of some pretty good courses at the moment but nowhere near enough.

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    Mute terry
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    Feb 10th 2012, 9:36 PM

    Very well said Eric. The government should make it easier for the existing it contract development community to setup business and go it alone. I have 12 years experience lots of good ideas but I can’t take s year off ti try something without

    Free office rent
    A grant of about 45 k a year
    And free access to broad band and hardware

    Give me that enda and in 5 years I would employ at least 5 if not mire people

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    Mute Rob O' Bli
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    Feb 10th 2012, 3:53 PM

    The thumbs down on the site is getting a bit ridiculous.

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    Mute Jim Power
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    Feb 10th 2012, 8:15 PM

    @ Chris Gardner – Your very much mistaken these guys went to a public school in Limerick, if their parents wanted elite education for them they could have sent them to Glenstal not far away. The only downfall with this type of talent in Ireland is that we don’t know how to nurture them past the R&D stage. These guys are in the mould of Gates & Zuckerberg,just a shame we couldn’t keep them but the v best of luck to them.

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    Mute Chris Gardiner
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    Feb 10th 2012, 4:00 PM

    These Brothers while they deserve their hard work it must be pointed out that they came from an enormously priveleged family with basically unlimited resources. They were destined to do well getting every and all help along the way. Not the story of the vast majority of irish young men. As I said I am thrilled they are doing well but I and millions like me never had these priveleges growing or resources. Its a pity all Irish school goers do not get the same equalities and indeed come to school facing enormous disadvantages, We won’t be reading about them anytime soon.

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    Mute Joe Sixtwo
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    Feb 10th 2012, 5:59 PM

    Well done lads.

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    Mute Melvin
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    Feb 10th 2012, 6:51 PM

    There should be a http://www.coderdojo.com in every town/village in the country! Time to ditch fable studies and get programming languages into schools!

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    Mute Joan Featherstone
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    Feb 10th 2012, 9:32 PM

    OMG lads yis are a legend, well done, I’m as proud of you both as if I were your mother! Wonderful…

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    Mute Susan Duffy
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    Feb 10th 2012, 7:03 PM

    They’re set up for life then! Well done to them!

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    Mute Bernadette Dunne
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    Feb 10th 2012, 10:49 PM

    Congratulations to you both

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    Mute Mark Rodgers
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    Feb 10th 2012, 6:34 PM

    The very highest levels of protection must be provided for intellectual property such as this for the most obvious of reasons. I’m certain that the naysayers and petty critics who believe that it’s acceptable practice to thieve from owners of such valuable property will slink to the sidelines while these young lads bask in well deserved glory.
    Fantastic achievement lads…well done!

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    Mute James Grant
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    Feb 11th 2012, 9:48 PM

    Your welcome Palo Alto, California.

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    Mute James Grant
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    Feb 12th 2012, 1:52 AM

    “You’re welcome” dummy

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