Guides
What is a holdback, and why do kitty groups use one?
A holdback is a small share of a payout kept back by the group. Here is how it is calculated, why groups use it and how to agree on it.
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Guides
How a monthly kitty works (and how to keep it fair)
A kitty is a group of people who each put the same amount in every month, and one member takes the pot each month. Here is the whole cycle, step by step.