Hey Iowa Sailor - If you have an Apple product, iPad for example, download "Cost Split" from the app store (I think it is free). The icon is a gold bag with a green triangle in the corner. Play with it before you go. It will make your life much easier. You will also find that establishments in BVI do NOT like to provide individual checks. Whoever pays also brings a copy of the itemized check to you which you can post the individual expenses to your app.