People carry around less cash these days, opting instead for safer and more convenient digital options like debit and credit cards or so-called digital wallets. So what do you do if you owe someone money? Our PC Mike Wendland has three apps that’ll help you out. Venmo is a mobile payment app that allows users to make and share payments to family and friends in the U.S. using a smartphone number or email. When ready, recipients simply hit the “cash out” button and it’ll be in the bank account in one to three business days. The app is free for iOS and Android. Zelle is quickly becoming the go-to app…