Buy or Borrow? Plan a great winter beach getaway!

When planning a winter beach getaway, whether by yourself, with a few friends or family, there is a lot to do before you board the plane. Making your trip a little greener is easy to do. Use this infographic to remind yourself what you should buy and what you can borrow. Borrowing is great for items you only use once a year and it’s a great way to save money and reduce waste.

buy vs. borrow for beach vacation


Lending Money to Friends… and Getting it Back

At one point or another, we all needed to borrow money. The easiest option usually seems to be to ask our parents, siblings or friends instead of going to a third party bank or using our credit card limits. The borrower side of the story is much easier than the lender. It takes courage to ask but when we’re stuck it can be done. We usually are sincere when asking a friend to lend us a few dollars to grab coffee or asking a friend to cover your bill at the pub because you didn’t know you needed to bring cash. And the day is over and we usually forget that we borrowed the money. The nice friend on the other hand who saved us from the jam is now in the endless waiting loop of either waiting for the lender to remember to return the money or the awkward moment of asking for her money back.

The common advice is to usually avoid lending money to friends and family, because 1) they will usually forget to pay you back and  2) it’s awkward to ask for your money back. On average, only 30% of the money we lend out to friends and family is paid back but we continue to lend money out to them because we are wired to help, specially people we love and respect.

Only 30% of the money we lend out to friends and family is paid back!

It’s a real problem and there’s an easy solution: use Lendogram to keep track of money you lend to friends and family and set up notifications so your friend is reminded to return your money! Continue being the amazing and helpful friend but make life easier for you and remove the awkwardness of asking for your money back!

Borrow Your Next Party Dress

As we enter the Holiday Season, our social calendar includes events that require dressing up. From office parties to family gatherings, we want to look great. There’s the dress, the shoes, a handbag and jewelry too. It’s all fun and cheerful until we see the bill! Dressing up for an event can cost hundreds of dollars, even when shopping at an affordable store. And chances are your new dress will never see the light of day again after the one glamorous night.


The solution: borrow a dress, and shoes and handbag and even jewelry too!

The concept is simple: Borrow a dress from a friend for few days, wear it, dry clean it and then return it.  Lendogram makes it easy to source and borrow dresses and accessories from friends.  Find out how!

Lendogram available on iOS, Android, Windows OS, and even Blackberry

When we first started building Lendogram sharing platform, we thought the best way to deliver the experience was to create it using a native iOS App. Since we launched the App, whenever I talk about sharing with friends and how Lendogram makes it easier to share than to buy, the first (and sometimes the only) question is always:
Will it work on my phone?

mobile responsive web

It took us a while, but we can now say: YES, it does!
It works on your phone, your friend’s phone, your desktop, laptop, on a train in a tree, it works on any device with a web browser (Lendogram mobile web)!

Of course, the App is still the most feature rich version of the platform, so if you have an iPhone or iPad, we recommend downloading and using the App but if you don’t have one, you can use a web browser to access your inventory and share items with friends and even create groups.

So visit the mobile web site today and sign up to create your account and start sharing with friends. Let us know your thoughts on our mobile web version and what you want to see implemented next!


Halloween Costume Share Party 🎃

Halloween night is one of my favorite times of year to walk around in my neighbourhood. Whether it’s raining or not, kids are running from house to house trick or treating in their scary, funny or cute costumes. Parents follow a little behind, chatting and catching up with friends and neighbours. A great neighbourhood social event.


To prepare for this amazing night of fun, terror and unlimited candy, kids spend days deciding what costume to wear. Some design their own, others pick one from the store, and everyone with a specific intention.  But they hardly ever wear the same costume two years in a row. What a waste of material and money to buy or make an awesome costume to wear it only for a few hours and then somehow store it or dispose of it. And many of these costumes cost somewhere in the range of $50-$100+.

Last year a few of my friends, neighbours and I started a Halloween Costume Share Party. Everyone brought a few kids or adult costumes. We gathered at my house, sorted the costumes and then started brainstorming about what to wear. Those who already had their costume ready tried to find accessories, some of us made new costumes based on how we felt.  We also ate, drank and socialized while we were picking our costumes. We used Lendogram to keep track of who borrowed what and everything was returned after Halloween! Win-Win-Win!

We’re planning the same event this year. It’s not too late to organize your own Costume Share Party with friends and neighbours and have some fun creating costumes and share with friends. Post your pictures on Instagram and tag us with #HowIShare or #myLendogram.

Happy Sharing and have a great Halloween 🎃



Using the Sharing Economy for your Startup


The sharing economy connects individuals who need a particular product or service with other individuals who have or offer that particular product or service. We have heard how individuals use services such as Uber (the ridesharing app) or Airbnb (to rent your spare room or empty house) but what about businesses and using the sharing economy to reduce the cost of running a startup? There are a few ways you can use the sharing economy to reduce operational cost and raise capital for your startup. There are just a few examples:

Reduce Operational Cost

Marketing – Every startup needs some form of design, be it a complex website that directs your customers to their needs, or a simple logo for people to associate your brand with. Going through a marketing agency or a graphic/web design company is usually attached to a hefty price tag, and that’s simply out of the question for most startups.

Through peer-to-peer networks like or, you get to immediately connect with a large user base of designers all around the world, who’ll certainly have differing visions and ideas of what your brand’s image will look like. You can reach out to them, check out their portfolio, and pick a designer or a team to work on your logo, website, product design, you name it.

The cost is significantly cheaper as you cut out the corporate middlemen between you and the designers. For example, an established web design company in the U.S. can cost about $60 – $200 an hour, easy totalling up to thousands for your website.

But on you can find an experienced web designer who’ll get the job done for a fixed rate of $100. These platforms usually provide consumer-protection as well, and they’ll only release your payment to the designer when you’re 100% satisfied with the work submitted to you. You’ll also be able to communicate directly with your designer, and set milestones to check in, make sure they’re on the right track.

Staffing – If your startup requires employees or people with certain skill sets, but you’re not at a place where you can afford a full timer’s salary plus benefits yet, you can check out websites like, or

These websites link you up with virtual stores where people in your neighborhood or all over the world who offer their services at various rates. Just to name a few, you can find accountants, lawyers, virtual assistants, customer service representatives for anything between $2 – $100/hour depending on the type of skills required. Depending on your startup’s needs, having a skilled worker on standby would be significantly more cost-efficient than a full-time employee, especially when business is still picking up.

Raise Capital

Let’s say you have a really, really great idea for a startup, but the only thing holding you back is the initial cost. Traditionally, the first resort most startup owners would go to would be a business loan from a bank. But with high interest rates and a fixed payback scheme, it’s no easy feat to guarantee your startup will yield returns high enough and fast enough to repay your debt. Instead, you can try crowdfunding websites like or

These sites give you an inlet of ‘pledgers’, people who believe in your startup idea and are willing to donate or invest in it. For a certain amount of money pledged, you can offer something in exchange to the pledger related to your startup. For example, a largely popular video game, Dark Souls, has an extremely close-knit community of millions of players. A company called Steamforged games decided to make a Dark Souls board game, but needed roughly £100,000 to fund it. They decided to offer pledgers a chance to purchase the board game at £80, when the retail price after the official release would be £190. They got the word out in gaming forums and Facebook fan pages to create hype. Within 3 minutes of launching their crowdfunding campaign on, they reached their goal of £100,000. That was on 20th April 2016, and as of today, 21st July 2016, they’ve received a total of £3,771,474. You read that right, over 3 million Pounds pledged to an idea, a concept, that hasn’t even begun to come close to fruition.

Aside from monetary support, these crowdfunding platforms also provide a forum of sorts. Your pledgers then have a direct way to provide you with comments on what they think your startup should offer, giving you priceless feedback from your target audience.

When building your startup, keep in mind that sharing economy is based on the human connection, and an element of trust between you and your pledgers, partners, or employees. You’re accountable to each other in a way that’s relatively new in the business sense, and your reputation within the community is at stake. Networking is key, so maintaining good relations will no doubt ensure further fruitful cooperations, and opportunities to grow your startup.

5 Ways to Get Out of Debt

In today’s economic climate, you’d be hard pressed to find someone who isn’t tangled up in some form of debt. Be it student loans, a housing mortgage, or credit card debt, the majority of us are constantly trying to stay one step ahead of our financial liabilities. Well thankfully, through the beauty of sharing economy and peer-to-peer networks, you could contribute and grow closer to the people in your community, while getting, and more importantly staying, out of debt.


1. Accommodation

Most of us have a spare room or two that doesn’t see much usage, aside from it being a storage space for our least-used knick-knacks. If the spring cleaning fever hits you and you (finally) clear it out, you can consider renting the space out through airbnb. On average a private room in a major city is rented out on airbnb for US $300/week. It’s not too shabby earning a bit of rent while providing a traveler lodging, saving them from hefty hotel costs. I wager you’ll probably even make a friend or two.

The reverse can be applied to cut down on your personal expenditure too. A good majority of us can probably recall that once or twice we went on a holiday that was just above our budget, ending up pretty broke for the rest of the month. And for the most part, if you’ve stayed at one hotel, you’ve stayed at them all, as the difference in services and amenities provided is pretty minimal. To that effect, you could get a much more intimate, homely experience through airbnb or even couchsurfing, and the latter is completely free. In my personal experience, couchsurfing helps you make the most of your time in a foreign state or country, as your host would usually give dependable advice on the best places to visit and the most efficient way to get there.

2. Services

Labour platforms, such as Uber, TaskRabbit, and Zaarly, provide a source of income with low to zero commitment, giving you the opportunity to serve someone in your community while putting a dent in your own overheads. These platforms allow you to pick up odd jobs at your leisure, in exchange for money or even services.

Own a car and have some spare time every morning? Someone in your neighbourhood may need a ride to work for a month or two. Love dogs and you’re working from home for the time being? You could consider dog-sitting for someone going on a holiday soon. Even more opportunities open up if you have particular skill sets. Peer-to-peer marketplaces like Zaarly allow you to market your skills and services through your very own online store. From repairing smartphones to baking birthday cakes, anyone who has a little time on their hands can definitely offer to share their skills with the community.

And aside from offering, receiving is another great way to cut down on expenses and debt. By utilising peer-to-peer services and marketplaces, you’re supporting and nurturing a self-reliant community, which will greatly reduce your own spending, and wastage of precious resources.

3. Transportation

Did you know that the average car is unused 92% of the time? Imagine if we worked out an efficient system to share that car amongst a dozen families, the auto-industry wouldn’t be filling up acres and acres of scrapyards then. Thanks to platforms like RelayRides and GetAround, the possibility of that is inching a little closer. You can consider renting out your car through these platforms during periods of disuse, instead of leaving it parked in a driveway, waiting for a layer of dust to settle on it. Many such services offer insurance as well, so you’re well protected. The reverse applies as well, instead of purchasing a brand new car just to go to work every morning, you could use these platforms to find a car for rent at a suitable daily timing. That’ll greatly cut down on your auto-insurance, car mortgage, and car maintenance costs, an effective and efficient way of avoiding unnecessary debt.

4. Stuff

How many lawnmowers do you and your neighbours actually need? Just one, with the power of sharing that is. Chances are if you need something, your neighbour already has it, or vice versa. It’s a little silly for every household to own a ladder or power drill, appliances that most of us use rarely. It’d make a lot more sense to ask your friends or neighbour and borrow such stuff, instead of buying one just in case we’ll ever need it again (in the next decade). Hence it’d certainly be a worthy endeavour to spend some time to get to know your neighbors, and build a communal sharing mindset within your community. You can set an example by being the first one to offer your own appliances for borrowing if the topic ever comes up, it’d be a wonderful step in the right direction. Being in a communal sharing neighborhoods is simply a smart financial move that keeps expenditure lower for everyone in the community, and of course who doesn’t love that warm fuzzy feeling of helping out a neighbour or friend?
Start Sharing instead of Buying today.

5. Food

Despite the growing availability of junk food, we’re certainly much better informed in terms of what’s healthy and what’s not. And while GMOs and organic produce are still matters of dispute, fresher produce being better is a global consensus. Finding fresh produce that hasn’t been on the shelf for days is a real challenge these days, unless you live next to a local farm or own one yourself. The next best thing would be to join a CSA (Community Supported Agriculture), a sort of community garden that shares its produce monthly with its members. Members pay for their produce with labour instead of cash, thus reducing expenses on food and avoiding potential debt burden. You can volunteer to harvest the crops, water them, and/or other odd jobs to help out on the gardens. So anyone with a little spare time can feed themselves, as well as their community through the volunteer initiative. When the time comes to reap what you sow, you get to do it as a community, and quite literally share the fruits of your labour.

How to Become a Socially Responsible Consumer

We are all consumers and customers. However, there is a larger difference between what we consume and how we consume, and how it can have an effect on people in the production and supply chain of these goods we consume.

responsibleconsumerWe mainly see socially responsible products pushed to the forefront of our consciousness these days due to slick marketing campaigns and ads, pushed by both corporations as well as celebrities on how their product gives back to the communities which they gain their raw resources from.

The real question here is, does it really do that? Who’s benefiting here? Behind a slick marketing campaign is the need for us to feel good about what we are buying, especially after many journalists and undercover whistleblowers shed light on how the luxuries of modern consumerism are produced – in the sweatshops of china, with slave labour in Africa, and sometimes, child slave labour too.

Sometimes, the product of such methods also cause massive environmental devastation, not pollution, devastation. We may or may not see it, but who knew your bar of soap causes forest fires every year in Indonesia started by farmers for their crop of oil palm? What’s oil palm you ask? Well, nothing much, except that it’s a major component in making many kinds of soap, dye, and luxury and everyday bathroom products for both genders.

Here’s how you can do your part to combat worldwide exploitative labour and consumerism destroying communities and livelihoods.

1. Check The Source

A product needs to be made from raw materials that have to be refined, processed, and shipped to your point of sale (POS). Now, in between the mining and processing of such raw material, many things happen.

We first need to look at where the raw materials come from. Generally speaking, it is neither practical nor feasible to trace back every raw ingredient in your shampoo to its source, however, a quick Google search will give you the locations and operational areas of the main ingredients of your product’s manufacturer. Sometimes, the manufacturer deals with its supplier who operates independently, however, you can still do a little research and find out.

A quick example is knowing where your paper comes from – is it from a sustainable timber and wood pulp source? or is it illegally mined? Some countries as a whole have very bad reputations in regulating their own resource extraction industries, it is best to steer clear of companies who operate in such countries.

2. Corporate Accountability

This is quite straightforward. Some corporations are very bad at telling the truth, resorting to bribery, lies, and intimidation as well as hushed deals to get as much wealth as possible from both consumer and communities that thy exploit.

Such businesses should be shunned, and their products avoided at all cost.

These businesses sometimes, in a bid to hide their bad rep, undergo a rebranding exercise and sell their products under different subsidiary brands, making it easy to hide their bad reputation from consumers like yourself.

This is especially prevalent these days, and can also be countered with a quick google search.

An exception however – should apply. Sometimes, said companies with a bad reputation get bought over, or taken over by a more reputable corporation and overhauled. In that case, it should be prudent to do your research on whether the company has adopted sustainable and responsible practices before buying their products again.

3. Check Production Partners

Modern day manufacturers very, rarely act alone. Such is the case that a company needs to harvest, say, oil palm in Indonesia for its soap for example; it works with a business partner in Indonesia to supply the local labour, machinery as well as raw material, while it provides the financing.

However, the local labour may be exploitative, and the harvest and planting methods may be damaging as well as polluting to the environment and neighbouring countries. In extreme cases, the manufacturer is unaware of such unsustainable practices being used by its partners as well, and is only notified upon a case being brought to court by watchdog agencies or whistleblowers leaking news.

4. Consider Materials Used

Before you actually buy the product, have you considered the impact it will have during and after its use?

Is it a one off product? Do you need it? Is the packaging/container re-usable, recyclable, or is it hard to decompose and recycle? These factors should come into play when you are considering buying or even getting the item for free.

For this reason, plastic bottles, styrofoam and other non-biodegradable materials should be sparsely purchased, or never, if possible.

5. Consider Impact of Product

Consider the product from a consumer standpoint, and the attitude it generates in society. is the product actually needed? Or is it just another whim that the market demands, but we don’t actually need?

Going by the saying, “if you don’t need it, don’t get it” is a good way to go. Needing and wanting are two different things altogether. A consumerist lifestyle not only pollutes, but also contributes to your general decline in a standard of living, as one-use items tend to be lower in quality.

Buying more and more of these one-time use items with short product life cycles only drains your finances as well as encouraging manufacturers to supply more of them, in a vicious cycle. Be aware of what you buy!

With all these points in mind, we hope you can become a more responsible consumer!

Friends with Benefits – 5 benefits of sharing with friends

Sharing with strangers is a noble concept, but it’s not a new one. Many religious and ethnic places such as Buddhist and Sikh temples do so, however, on a more personal scale, what about sharing with friends?

friendship and sisterhood

credit: Museum of Public Art

Sharing with friends, while not a totally new or different concept, can help you in many ways that sharing with strangers do not. While sharing is great in both forms, sharing with friends tends to be more intimate, and also helps to strengthen the bonds of friendship. Let’s take a look at the hows, and whys shall we?

1. Sharing creates common goals

When you share things, you not only share physical items. In the process of sharing, you understand that sharing is not just the lending of an item based off trust to your friend. It is also a philosophy, and a way of life that you are participating in.

Both of you understand that sharing is about trust, and about conservation of the limited resources that we have, as well as the practical side of cost sharing and saving on items you and your friend have and share.

2. Sharing creates trust among friends

Friendship is a strange creature, yet it is a vital one in our society. Most forms of lifelong bonds are formed on the basis of friendship. Husbands, wives, and lovers all start out as friends. Even parents are encouraged to be a friend to their children.

Why? Simply because there is a certain form of trust among friends – one that says “I will not harm you, we are in this for mutual goodwill”. Simply put, that is at its essence, that the other person means well, and is, and can be a likeable person in your social circle.

Sharing of course, needs to take place when there is trust. When you share, mutual trust increases, as sharing itself is a a self-propagating mechanism for trust, which acts as a social lubricant in your friendship.

3. Sharing helps you learn more about your friend

Simply put, why does your friend have a wood planer tool? You’ll find out that maybe she was into woodworking while working on her masters, or maybe that her beautiful chestnut and oak table was handcrafted by her?

Perhaps she was part of a recreated Viking expedition, and the wood planer was used in the construction of a longship? Or maybe her father or uncle was a woodworker, and she inherited the tool from them? Perhaps an old ex left it behind?

You never know, since objects each have their own history, and people share them to make the next part in their story.

Now, it can be your turn to add on to its rich and storied history, and to tell it to the next person you share it to.

After all, some antiques gain their value from their historicity, which basically means, where they’ve been and what they’ve been used for.

4. Sharing helps you to learn skills and knowledge from your friend

So maybe your friend has a wood planer, and she did go on the recreated Viking expedition across the Atlantic, and after that she chose to settle down next to you, and she brought it along as a memento.

Then, she started learning how to use it to make furniture, and that’s how you eventually met her, while she was planing her table in the yard. Now, wouldn’t it make for a good experience if she taught you how to safely use the wood planer?

Put in a few hours with that wood planer in her yard, as well as a few other tools, and reciprocate with perhaps a session of jam making and tea in the future, and the both of you can learn how to have jam, on nicely crafted tables together!

A few hours of hard work and fun learning a new skill with your friend is a great way to bond as well as find out more about someone, yes?

5. Sharing lowers costs and opens the way for more shared activities together

Of course, not having to buy brand new equipment and hire a trainer definitely improves the cost of activities. After you and your friends have had a great time hanging out learning from each other’s experiences as well as skills you can embark on shared projects together!

After all, people used to live in smaller communities, and now our communities are made up of our own social circles. Our own social circles are no longer constrained by boundaries such as location or geography, with the advent of the internet and other forms of advanced communications.

The key idea here however, is to get together with a bunch of friends who have varied skills and interests, and embark on a project where they can share not only their tools, but also their skills and experiences, teaching each other and coming to a common understanding and shared goal. That’s how you bond friends with sharing!

We hope you’ve found this article useful, now go out and share with your friends! There’s an app for that: Lendogram 😉

How to Start a Sharing Movement

When we look at the way society functions in modern times, we seem to forget that amongst the teeming masses of humanity are made up of individuals.

Individuals of a Society

The thoughts and beliefs, as well as the actions of individuals in this mass of humanity we call society shape the future, the reality of our existence as we know it.

It is then imperative that we understand our own power as an individual. Power is simply the ability to do, to change, or to affect change in a situation, in reality.

“Be the change that you wish to see in the world”
— Gandhi

The fact that we can affect change in our society and as an individual, we must also carry out the obligation that we have to share.

To share, and create social value is a very natural human phenomenon, albeit not restricted to Homo Sapiens alone. To share and to consciously understand and create sharing movements, and values, as well as social value is however, a uniquely human concept.

Sharing is not limited to advertisements on billboards, nor is it, or should it be limited to thirty second jingle tunes on the radio, accompanied on tv by a short clip.

The Sharing Movement is not about the promotion of goods, services, or values for the purpose of collecting a profit. It is a wider social movement to promote a cultural and very human need to be socially connected, through the act of sharing.

The origin of the Sharing Movement is from a cultural and human need to socially connect.

The sharing movement itself does not start, nor does it end with the physical act of sharing either – it starts with a mindset within us, as well as the understanding of what we are doing, and why.

Some people share because they feel great doing it, since altruistic acts in human behaviour actually help to propagate the altruist’s genes in the race for survival in the natural selection process. In certain cultures, sharing is seen as both a form of wealth redistribution, as well as promotion of the largesse of the patron who shares his wealth with others, hence their ability to share material goods.

But looking beyond just personal feelings as well as creating social value for ourself, sharing is about connecting people in an egalitarian manner. This is not about the promotion of our largesse, or the promotion of other’s largesse, but about us, and another person forming a connection through the need for a physical item. This connection can be formed only in the most personal of settings, as it requires trust as a currency, and trusting people is the first step to a closer community of friends, neighbours, and family.

These connections cannot be forced upon people, coerced onto people, nor can they be really effective, since being friendly, and being friendly and trusting are two different things altogether.

How we can truly see this is through ad campaigns for a friendlier neighbourhood, which rarely work. What does work however, are events where social value is created and trust slowly but surely formed amongst community members.

Sometimes, these events are initiated by the local council, made up of more outgoing members of the community, and other times, the local government(rarely).

Most of the time, these kinds of events, such as barbeque cook-outs, communal celebrations and observations of religious, cultural, or ethnic festivals open to everyone in the community are usually started by people in the community.

These are simple, yet effective tools to open up people to the idea of a sharing community that is there for every member to utilise and support.

Barbeques, celebrations and gatherings aren’t too hard to organize for someone of average means are they? yet they are the ties that bind, that hold a sharing community together.

youYet, all these need not be started by companies. Nor governments. These can be started by you.

The people you come with into contact daily, as well as the people you talk to, can be part of the sharing movement, but you have to speak out, and more than just talk about what being part of the sharing movement means, to also act on it.

Share when you can, with the people you can

If everyone did their part, and practiced sharing in their own corner of the world, soon, communities of people accustomed to sharing naturally and consciously will form.

And then, growth of the sharing mindset will increase exponentially, since ideas spread like wildfire.

Ideas are powerful, and so are actions. Alone, you cannot reach the moon, but with friends, neighbours, and other people who share, connecting groups of people will become easier, and more viable, not just economically, but physically as well as socially.