SquareUsUp

User Guide

SquareUsUp is simple yet extensively documented. This user guide is designed as a reference source to clarify all aspects of its usage.

Introduction

SquareUsUp is both the most powerful and the easiest-to-use spreadsheet in the world for splitting and tracking a group’s shared expenses. Nothing comes close. And it’s totally free.

SquareUsUp handles just about any group expense-sharing situation imaginable. And it is so simple it can be learned in minutes. No other expense-sharing spreadsheet lets you do all this:

Share expenses that don’t involve all group members
Share expenses unequally among group members
Record unshared expenses
Record refunds and other credits
Record payments made between group members
Ease the use of a pot for paying group expenses
Use fill-in forms as a friendly alternative to direct spreadsheet entry
View full financial summaries for each group member
View lists and graphs of group members’ running balances, charges, and payments
Create a personal transactions report for each group member
Get guidance for squaring up everyone in the group

You must have Microsoft Excel to implement a SquareUsUp project, but virtually no knowledge of Excel is required. SquareUsUp automates all operations and aggressively thwarts Excel errors, all but hiding the fact you’re even using Excel.

A SquareUsUp example

Each time a group member spends money – whether to pay a group expense to an outside party or to pay a group member – you add a new spreadsheet row to record the transaction. Transactions are recorded using a simple notation that is best explained via an example. This sheet tracks the expenses of a four-person tennis group.

Each transaction row contains a date, a transaction name, and the financial details of the transaction. The Summary section at the bottom of the sheet breaks down each person’s charges and payments, and shows each person’s ending balance, with a positive balance (displayed in black) indicating the person is owed money, and a negative balance (displayed in red and in parentheses) indicating the person owes money.

Financial details are recorded using a simple notation. When a group member spends money, the amount paid is typed into a new row in that person’s column. If the payment was made to an outside party on behalf of the group, the letter S is typed into the same row for each group member who shares responsibility for paying that expense. These S cells display with a blue background. If the expense is not being shared equally between everyone responsible for it, each S is followed by information (a percentage, fraction, or dollar amount) that describes what portion of the expense that person is responsible for paying. A negative payment amount can be used to indicate the receipt of a group refund or credit, with shares specified the same way.

If the payment was made to another group member (to reduce debt or as a loan), the amount paid is typed into a new row in that person’s column. The letter R is typed into the cell in the same row for the person who received that payment. R cells display with a green background.

Shown here is a row-by-row explanation of the Transactions section entries in the example.

The Summary section appears below the list of transactions to provide a concise summary of the sheet’s transactions for each group member, including each person’s net charges (total charged minus total credited), net payments (total paid minus total received), sheet balance (net payments minus net charges), and overall balance (starting balance plus sheet balance).

SquareUsUp includes utilities to customize your project, ease transaction entry and editing, change group membership, add new sheets, add panels of information (running balances, charges, or payments) to the displayed spreadsheet, and view, print, and save reports. These utilities are accessed via the 14 buttons at the top of each SquareUsUp spreadsheet. Their use is simple and straightforward, but they are also fully documented in this user guide.

Getting started

This is the SquareUsUp project template, from which you create a new project.

When you open the project template file, the Create a Project form will pop up to guide you through project setup, where you can set displayed titles, identify the project members (users) who will be sharing expenses, and save your customized file as a new SquareUsUp project.

You may change your project customizations at any time via the Edit Sheet buttons that appear at the top of every SquareUsUp spreadsheet.

Once you’ve created a new SquareUsUp project, you’re ready to start entering transactions.

Entering transactions

Transactions may be typed directly into the spreadsheet. The Grid Entry button (which can also be “clicked” via keyboard keys Ctrl+Shift+G) can be used to move the cursor to the first empty or invalid row, or to open up a new row for transaction entry at the end of the transactions list.

Alternatively, the Form Entry button (Ctrl+Shift+F) can be used to pop up a transaction entry form. The option buttons specify the type of transaction to be entered. Input is checked for validity before being written to the spreadsheet.

Here, the third transaction of the tennis group example is being created. Bill paid $46.34 for a case of tennis balls, with everyone’s share of responsibility for that payment being specified in percentages. Bill’s share is simply whatever is left over after everyone else’s shares have been computed. Since the specified shares add up to 80%, Bill’s share is the remaining 20%. For all shared payments, the Charged column displays what the specified shares will cause each group member to be charged. For credits, the amount paid would be a negative number, as would the charges. When OK is clicked, the new transaction is written to the spreadsheet.

When equal or fractional shares are selected, a button with an equal sign appears next to the Share column heading. For equal shares, clicking this button checks all boxes to give everyone in the group an equal share of responsibility for the expense. For fractional shares, clicking this button sets fractions that split the full expense equally among everyone who didn’t pay it. This feature would be typically be used whenever a pot is used to pay expenses since the pot (which is added as an extra group member) will never assume a share of responsibility for an expense.

Transaction types

Each time there is a monetary transaction within the group – whether someone pays an outside vendor, receives a credit from a vendor, or pays someone else in the group – it should be added as a new row in the spreadsheet. SquareUsUp recognizes four kinds of transactions:

1. Shared payment – A member of the group makes a payment for one or more others in the group. The amount paid is entered in the Transactions section under the member who made the payment, and an S is entered on the same line for everyone responsible for a part of that payment (turning those cells blue). There are four kinds of shares:

a. Equal shares – The S is entered by itself to indicate responsibility for paying the expense is to be shared equally among the payer and everyone with an S.

b. Percent shares – The S is followed by a qualifier that is a percentage ending with the % symbol to specify the percentage of the payment that person is responsible for. Percentages must all be greater than 0 and no more than 100. The payer’s share is the sum of all the percentages subtracted from 100%.

c. Fractional shares – The S is followed by a qualifier that is a fraction, i.e., two numbers separated by a slash (/), to specify the fraction of the payment that person is responsible for. Fractions must all be greater than 0 and no more than 1. The payer’s share is the sum of all the fractional shares subtracted from 1.

d. Dollar shares – The S is followed by a qualifier that is a dollar amount starting with a $ symbol to specify that person’s share of the expense. Dollar amounts must all be greater than 0 and no more than the amount paid. The payer’s share is the sum of all the dollar shares subtracted from the amount paid.

There can be only one payer in a shared payment transaction. A group credit or refund is indicated by entering a negative payment for the recipient of the credit. Sharing of the credit is done in the same way as the sharing of a payment.

2. Internal payment – One or more group members pay another group member. The amounts paid are entered under those who made the payments, and an R is entered under the recipient of the payment (turning that cell green). Internal payments are made to pay off debts within the group – or perhaps when money is being loaned. There can be only one recipient in an internal payment transaction.

3. Unshared payment – One or more group members make payments that aren’t shared with other group members. The amounts paid are entered under those who made the payments, without S or R cells. Unshared payments have no effect on group balances, but Summary section charges and payments are updated so the sheet records all group-related expenses, not just shared expenses. Unshared payments of $0 are allowed to note a member’s participation in an event despite spending no money. A negative payment amount can be used to record receipt of an unshared credit or refund.

4. SquareUsUp! payment – When all debts in the group are paid off to get all balances back to zero, a SquareUsUp! payment may be entered as a single transaction that has only a date and transaction name as a shortcut to recording a series of internal payments. A SquareUsUp! payment transaction cannot be relocated on the sheet since the amounts computed to get balances to zero depend on the transaction’s location.

Editing transactions

An existing transaction can be changed at any time. Changes to any cell’s contents will cause balances to be recomputed automatically for that row and for all subsequent rows. An alternative to typing changes into the spreadsheet is to highlight a transaction row by clicking on the row number before clicking the Form Entry button. The highlighted row will populate the form (the same Form Entry form used for entering new transactions), where it may be modified as desired.

Inserting and deleting transactions

The Edit History buttons at the top of the spreadsheet allow you to insert, delete, or move spreadsheet rows. All three buttons prompt for the Excel spreadsheet row number to operate on. By placing the cursor on that row prior to clicking an Edit History button, that row number will be prefilled into the form.

Insert Rows (Ctrl+Shift+I) opens up the specified number of rows at the specified row number. Delete Rows (Ctrl+Shift+D) deletes the specified number of rows, starting with the specified row number. If you want to delete a group of rows, you can click on the starting row number, then press down the Shift key while clicking on the ending row number to highlight the group of rows to delete. The Delete Rows form will then be prefilled with both the starting row and the number of rows to delete.

When you insert one or more rows into the middle of a list of transactions, you will notice that the transactions below the inserted rows turn gray, indicating that they are not being used in the sheet’s summary calculations. SquareUsUp ignores any transactions that follow empty rows or rows with errors in them. Once you’ve filled in the gap with valid transactions or deleted the empty rows, all rows will again be processed.

Note that SquareUsUp’s options to insert and delete rows are not the same as Excel’s. Excel’s row insertion and deletion operations would damage SquareUsUp’s spreadsheet structure, which is why SquareUsUp spreadsheets prevent you from using these options. Through the Insert Rows and Delete Rows buttons, SquareUsUp strategically hides, unhides, and moves spreadsheet rows to simulate row insertion and deletion without damaging the spreadsheet.

Moving, copying, and sorting transactions

While you are prevented from using Excel’s options to insert and delete spreadsheet rows, you are not prevented from using Excel’s Cut operation to move cell contents from one place to another. This is unfortunate, as cutting cell contents will damage the SquareUsUp spreadsheet. You must remember: Do not use the Cut operation on any SquareUsUp spreadsheet!

The Excel Copy operation can be used to duplicate a group of cells from the same or a different spreadsheet. But always paste using Paste Values so only values, not formatting, are copied.

The better way to move rows of transactions is via the Move Rows button (Ctrl+Shift+M). The Move Rows form gives you the ability to move, copy, and sort transaction rows, which should eliminate the need to use Excel’s cut-and-paste or copy-and-paste capabilities.

The first two options on the form allow you to move the specified rows from their current position to another place on the sheet.

The third option allows you to copy (duplicate) the specified rows at the end of the sheet.

The fourth and fifth options allow you to move or copy the specified rows to the end of a different sheet in the SquareUsUp file.

The last three options allow transaction rows to be sorted. Specified rows can be sorted by date or by transaction name. When dates or names are equal, the transactions are left in the same relative order they were in prior to the sort request.

A third sort option provides the ability to group transactions by category. In the name of simplicity, SquareUsUp does not provide a category column for transactions. But you can create transaction categories by preceding each transaction name with a category name. For instance, to put a Dinner transaction under the category of Food, you can name the transaction, “Food: Dinner”. If prefixes are used, they should be used on all transactions, and all prefixes must be the same length. Then, by using the third sort option, transactions can be sorted by category, while the current sort order of items within a category is maintained. (Another way to separate transactions by category is discussed in the Creating a New Sheet section. That method allows you to get a financial summary for each category.)

Note that when reordering rows, you cannot include a SquareUsUp! payment row that resets everyone’s balances to zero since the position of this type of row in the transaction list is important. Listing the individual internal payments that were made to square everyone up instead of using a SquareUsUp! payment transaction avoids this limitation.

Controlling what’s displayed

The buttons in the Run Macros group are all designed to control the appearance of the current sheet. They all run immediately upon clicking, without a dialog box coming up.

When transactions are typed directly into spreadsheet cells, spacing and capitalization don’t matter. The Repair Entries button (Ctrl+Shift+R) will improve the spreadsheet’s appearance by standardizing spacing and capitalization for all transaction entries.

Repair Entries can also be used when Transaction section cells don’t display currency properly. These cells are preformatted to display numbers as currency, but Excel can get confused by certain inputs. If this happens, try retyping the dollar amount in the afflicted cell by including the dollar sign and using two decimal places for cents. If this doesn’t correct the problem, try clicking Repair Entries, which will do its best to make afflicted cells display currency properly.

Finally, Repair Entries will remove any rows which may have been accidentally copied-and-pasted past the last visible row in the spreadsheet. This causes Summary section totals to include invisible rows, a problem that can be hard to detect or diagnose. (Another reason to avoid copying-and pasting contents into a SquareUsUp spreadsheet.)

The Optimize Widths button (Ctrl+Shift+O) adjusts column widths in the Transactions, Balances, Charges, and Payments sections as necessary to properly accommodate cell contents. Although column widths can be adjusted manually, the use of this button makes this easier and also assures equal column widths within each section for proper display of the bar charts.

If you have a long transaction name in column B, you are welcome to widen the column by dragging the line separating the B from the C to set the desired column width. Alternatively, you can drag down the line below the row number of the long transaction name to increase the row’s height. Transaction names wrap to multiple lines if the column is not wide enough.

The Toggle Display button (Ctrl+Shift+T) can be pressed repeatedly to toggle between displaying any combination of three optional sections to the right of the Transactions section.

1. Balances – This section displays each user’s balance following each transaction on the sheet. This provides a full running balance chronology for each user, from the starting balance (shown in the top row) to the ending balance (shown in the last filled-in row). A bar chart at the bottom of the section depicts each user’s ending balance.

2. Charges – This section displays the amount each user was charged in each transaction on the sheet. If the user received a credit in a transaction, the charged amount is negative. If the user was not charged in a transaction, the user’s cell is empty for that row. A bar chart at the bottom of the section depicts each user’s net charges on the sheet (amount charged minus amount credited).

3. Payments – This section displays the amount each user paid in each transaction on the sheet. If the user received money in a transaction, the payment amount is negative. If the user did not pay anything in a transaction, the user’s cell is empty for that row. A bar chart at the bottom of the section depicts each user’s net payments on the sheet (amount paid minus amount received).

When the Excel workbook is saved, the displayed sections on each sheet are remembered.

Handling errors

SquareUsUp tames Excel’s tendency for errors to cascade through a spreadsheet. An error on any transaction row turns all cells in that row red (except for Transactions section entries that are not in error). All subsequent rows in the Transactions section turn gray – and the corresponding rows in the Balances, Charges, and Payments sections are blanked out – to show that they are being ignored until the error is fixed.

Some of the things to look for when diagnosing an error include:

An entry that’s not a valid payment amount and doesn’t start with an R or S
A transaction with an S entry but no payment entry or multiple payment entries
A transaction with an R entry but no payment entry
A transaction with more than one cell containing an R
A transaction with both R and S cells
An entry with an R followed by anything else
An entry with an S followed by an invalid share value
A shared payment that mixes different types of shares
A shared payment whose values total to more than the value of the payment

Editing a row via the Form Entry button can help diagnose any hard-to-find problem.

Editing titles

The Edit Titles button (Ctrl+Shift+E) allows you to change the three customizable titles on a SquareUsUp sheet.

While you may type directly into the title fields at the top of the spreadsheet, you may prefer using Edit Titles to make title changes. The default project title of SquareUsUp Payment Record can be replaced with a title that describes the project. The Transaction column heading can be modified to more accurately describe the nature of the transaction entries. And the sheet name (shown at the top of the grid and multiple times in the Summary section) can be set to describe the contents of the sheet (e.g., the sheet’s time period or transaction category).

Changing the sheet name on the Edit Titles form will change not just the displayed sheet title, but also the name of the Excel sheet itself. While it’s generally a good idea for the displayed sheet title to match the name of the sheet, this is not enforced. If you want to, you are allowed to type a new sheet title above the grid that is different from the Excel sheet name. And, as discussed in Frequently Asked Questions, you may also change the Excel sheet name via Excel techniques, which will leave the sheet title unchanged.

Creating a new sheet

There are a number of reasons to use multiple sheets for your project. Most commonly, a long-term project may be divided into multiple sheets (each sheet accessible via its Excel tab) to keep a single sheet from getting too long and unwieldy. For example, a new sheet may be created for each new year of a project, with each new sheet’s starting balances linked to the previous sheet’s ending balances.

Alternatively, a travel group may want to store all their trips in a single Excel file, using a new sheet for each trip to keep all trip records together in one file while giving each trip its own financial summary. Or the travel group might want to use separate sheets to record different trip transaction categories (e.g., transportation, lodging, food, and activities) so that the sheets’ Summary sections provide a separate financial summary for each category.

Removing a group member may require the creation of a new sheet. A group member with any activity or a non-zero balance on a sheet can’t be removed since the sheet would not balance properly. After bringing the group member to a balance of zero, creating a new sheet with starting balances linked to the previous sheet’s ending balances will leave that person with no activity and a zero balance, allowing him or her to be removed from the new sheet. The new sheet can then be used to continue recording group transactions.

The New Sheet button (Ctrl+Shift+N) lets you create a new sheet that is an exact copy of the current sheet, but without any transactions in it. You will be prompted for the name to give the new sheet, which will be inserted as a new tab just before (to the left of) the current sheet tab. Starting balances may either be linked to the current sheet’s ending balances (so that subsequent changes to the current sheet’s ending balances will be automatically be reflected in the new sheet’s starting balances), set to those ending balances without being linked, or all set to zero. The Adjust Balances button may be clicked at any time to modify these starting balances.

Changing users

Over time, people may enter or leave the group, so it’s important to be able to make changes to the user list. While a simple change of someone’s name can be made by just typing over the name in the Payments section, all user list changes – renaming, adding, removing, and reordering users – can be made via the Change Users button.

The Change Users button (Ctrl+Shift+C) brings up a form that shows the current user list. Users with a non-zero balance and/or any transaction entries on this sheet are shown with their current column position in the spreadsheet and cannot be deleted because the sheet won’t balance if they’re removed. Other users are shown with a star instead of a number and can be deleted by simply deleting the user name in that row.

Type over any name to change the user’s name. Typing a name in an empty box will create a new user. New users will be assigned a default starting balance of $0.00, which may be changed later, if desired, via the Adjust Balances button. The user list may be rearranged via the up and down arrow buttons on each row, which move that user up or down in the list. The user order that is set here establishes the order the user
columns will appear in the spreadsheet. Blank rows in the submitted list will be ignored.

There is one caution about changing users on a project with multiple sheets. If you modify the user list on a sheet whose ending balances are being used to set another sheet’s starting balances, you may cause the other sheet’s starting balances to be changed improperly. If links on one sheet are adversely affected when you edit the user list on another sheet, you can use the Adjust Balances button (described next in the Adjusting Starting Balances section) to correct the problem on the affected sheet.

Finally, because of the technique SquareUsUp uses to assure that row balances always sum to exactly zero despite potential roundoff issues, reordering users may cause user balances to change ever so slightly – usually by just a penny. This behavior is noted only as assurance that insignificant balance changes resulting from changes to user order is no cause for concern.

Adjusting starting balances

Users’ starting balances may occasionally need to be adjusted. You may type changes directly into the spreadsheet, at the top Balances section (if it is displayed), but it’s generally easier to click the Adjust Balances button (Ctrl+Shift+A) to enter new starting balances via a form.

A starting balance may be specified as a fixed amount, or, because your project may contain multiple sheets, it may be linked to another sheet’s ending balances. A link is an active connection to another sheet, meaning that any subsequent changes that alter the ending balance on the other sheet will automatically change the starting balance on this sheet.

A starting balance that is a link displays in the Excel formula bar above the spreadsheet as a formula in the following format: equal sign, followed by the name of the sheet (often inside single quotes), followed by an exclamation point, followed by the Ending Balance section cell address (column letter followed by row number). For example, the formula =’2024’!C916 links a starting balance to the ending balance contained in the cell C916 on the sheet named 2024.

The Adjust Starting Balances form frees you from dealing with these formulas. You may type unlinked balances directly in the Starting Balance column; they will display with a white background. Or you may type the name of a linked sheet, then provide a user column letter (C-Q) to specify the ending balance on that sheet the starting balance should be linked to. Linked starting balances display with a blue background.

Four option buttons are available. Link To Previous Sheet links all starting balances to the ending balances on the previous SquareUsUp sheet, assigning balances by list position (first user on this sheet linked to the first user on the previous sheet, and so on), with any user on this sheet beyond the number of users on the previous sheet being given an unlinked balance of $0.00. (If there is no previous sheet, or if the previous sheet has users with non-zero balances beyond the number of users on this sheet, this option will not be available.) Unlink All Balances preserves the displayed balances but unlinks them from the linked sheet. The last two buttons set all balances to zero or reset starting balances to their current spreadsheet values.

Starting balances must always sum to zero. When the starting balances are invalid (either due to an invalid starting balance or the starting balances not summing to zero), the starting balances row (spreadsheet row 7) turns red. Adjusting starting balances via the Adjust Balances button can help identify and fix the problem.

Producing reports

The Print Reports button (Ctrl+Shift+P) can be clicked to view, print, or save various reports for the currently selected sheet. Reports are displayed via Excel’s Print Preview screen.

From Print Preview, you may click the Page Setup button to customize output appearance before printing the report. Customization options include choosing to view or print a report in a landscape (horizontal) format rather than portrait (vertical), changing font scaling for readability, and changing page margins to, say, force a page division at a desired place in the report.

The Print Preview screen’s Print button allows you to specify the printer to use. If you select the Print to PDF printer (or a similar printer name), the report will not be printed but will instead be saved to a .PDF file whose name and location you specify.

The Spreadsheet Report lets you print the current sheet with the optional sections (Balances, Charges, and Payments) that are currently displayed.

The Summary Report lets you view, print, or save the values in the current sheet’s Summary section. An example of this report, created for the Tennis Payment Record spreadsheet, is shown here.

The SquareUsUp Report lets you view, print, or save a list of users’ current balances. Additionally, it presents two suggestions for how to make a series of payments that will return everyone’s balance to $0.00. The first way is to simply have everyone who owes money pay what they owe to one person, who then pays everyone who is owed money. An alternative is to follow the report’s suggestion for squaring everyone up without the use of a designated person to collect and pay out the money.

A SquareUsUp report for the Tennis Payment Record is shown here.

The Transactions Report button lets you print, view, or save a separate list for each user, each list showing that user’s full set of transactions on this sheet. This allows each user to see the transactions that he/she was involved in, as well as the effect of each transaction on his/her balance. Dave’s page from the Tennis Payment Record example is shown here.

Notice that for internal payments, the Transactions Report record will include the purpose of the payment if anything other than the default description of “Payment” was given. SquareUsUp does its best to extract the purpose to look natural in the Transaction Report. You may want to experiment with different transaction text to see what works best on this report.

Saving your work

The Save Work button (Ctrl+Shift+S) can be used to save changes made to the Excel workbook. This button is provided as an alternative to Excel’s Save and Save As menu options for convenience and to minimize the requirement for Excel expertise.

Clicking the Save button with the first option selected will save the workbook’s changes to the currently opened file. Using the second option will save the workbook to the specified file name. While SquareUsUp will only let you save files to the current folder, you may use Windows to move or copy saved files to any folder you want after the save operation is complete.

When saving a new project from the Create a Project window that comes up automatically when you open the SquareUsUp template file, you are required to give the file a new name before clicking Save to avoid overwriting the template file.

When you try to close your SquareUsUp file, you may be asked if you want to save your changes – even if you’ve made no changes to your project since you loaded it. This is due to unfortunate Excel behavior caused by SquareUsUp’s use of certain Excel operations. As long as you’ve made no changes to the project, it’s perfectly fine to leave without saving. If you save project changes just before closing your file, Excel will not ask you to save your changes again.

Installation and usage

SquareUsUp requires a supported version of Microsoft Excel running under a supported version of Microsoft Windows. You are welcome to try using it in other configurations, but you may encounter incompatibilities that make SquareUsUp spreadsheets difficult or impossible to use.

A SquareUsUp file is just an Excel file that’s been specially formatted and has lots of (mostly invisible) formulas and macros. You can create a file for a new SquareUsUp project by starting with the SquareUsUp template file and customizing it for your project. You can get the template file from the Downloads page of the SquareUsUp website (https://www.squareusup.com), where the process to download the file to your computer is described in full.

While there are a number of steps involved in downloading the template file, each step is quite simple, and the whole process should only take a minute or two. The reason for all the steps is that both Windows and Excel keep an eagle eye on downloads that could house malicious code – like Excel files with macros. By following the documented steps, Windows and Excel are assured the template file is safe for use from this point forward.

After you’ve created a new SquareUsUp project file, you may want to open it via a desktop icon. To do this, right-click the SquareUsUp file in File Explorer and select the Copy option. Then right-click on your Windows desktop and select Paste Shortcut to create an icon that is linked to the project file. You can then just double-click the icon to open the project in Excel.

About SquareUsUp

SquareUsUp was developed by Richard Price, a Los Angeles-area software engineer who plays tennis in a group that was unsatisfied with every expense-sharing solution they found. The solutions from the big players in this field were all gross overkill, while none of the hundreds of homegrown spreadsheets out there met the group’s criteria for features, flexibility, reliability, scalability, or ease of use.

Richard quickly produced an Excel spreadsheet that met the group’s needs – and then spent years obsessively adding to and refining its capabilities. The group loves their spreadsheet, which they named SquareUsUp, and they don’t want to keep it to themselves. And, lucky for you, Richard doesn’t want all the legal and tax headaches that come with marketing a product.

SquareUsUp is freeware. You are welcome to use it without obligation. And you are encouraged to spread the word about it. In lieu of paying money for SquareUsUp, please consider visiting the Contact Us page of the website to stroke (or deflate) Richard’s ego by letting him know what you think of his work!