I have used obopay successfully several times to send money to friends and neighbors. If everyone signs up for an account, we could easily send money to one another for services, lunches, donations, etc. It's easy, fast, and FREE to signup. As a bonus I'll send the first 30 new members a crisp new $1.00 using obopay. Check it out and see what you think. It is cheaper than using paypal (if you have a business account on paypal, like I do) and you can easily use your cell to send the money.