Give or Take (IOU Alternative)

If you hate IOU's but love to play your scratch-off savings challenges or games to save money...here is an alterante idea to having an IOU.   If you have $3 left after playing your savings challenges and do not want to risk an IOU, fill out the Give or Take board with your three singles.  I would put $1 in each box so you can see at a glance that you have 3 singles.  Then next time you are playing you can keep adding to it, or if you need it, take out what you need.  Let's say you need $2 to not have an IOU.  Go to the Give or Take board and see what you have.  Take out your $2 and color in the two boxes that show $1 each.  Print as many times as you need.  There are two sizes.  You can fold it or cut it and tape it to make it into an envelope.  Whatever works for your setup!