text: Tina: I'd only like to remind you that you owe me 50 bucks
  Lucy: Of course, I know.
  Lucy: I've already transferred the money but it's Sunday today so you'll have it in your bank account tomorrow
  Tina: That's good news cuz I've been having a lot of expenses lately
target: Lucy owes Tina 50 dollars. She made a transfer but it is Sunday so the payment will be on Tina's account on Monday. Tina needs the money because she has been having expanses recently.