text: Kai: Hi man, you going town later?
  Will: Yeah, need some new jeans and a couple of work shirts.
  Kai: Got any cash, I'm skint, bro
  Will: Yeah, ok, I'll lend you a tenner or summat, want it back this time, mind!
  Kai: Fuck off! When didn't I pay you back?
  Will: Err, last week at the club, at the chippy the week before, curry at Gary's, present for Kat, do I need to carry on?
  Kai: Oh yeah, sorry man. Look, I'm working next week, got a job at the site again, I'll pay you next Friday, honest!
  Will: Right! I'll remember that, you sponging bastard!
  Kai: Well, I get 300, cash in hand next Friday, don't tell the DWP, will ya? So I'm good for it, what did you say, £40 was it?
  Will: You jammy sod! It's loads more than that, but ok, let's call it 40 and you buy me all my drinks Friday at the club! 😀 😉
  Kai: Deal! I suppose! Pick me up 1ish?
  Will: OK, see you in a bit.
target: Will is going to town to get new clothes. Kai wants to borrow money from Will. Kai already owes Will money. Will and Kai settle the debt on 40 pounds. Kai promises to pay Will back next Friday as then he will get paid for his new job. Will will pick Kai up around 1.