Southern USA.
Ex. Two people need or want to
purchase an item. Neither one has enough cash, credit to
purchase the item.
If they go in 'havvers' they can
purchase the needed/wanted item. Each person paying half of the total cost.
Fred sure does need that tractor for his farm work; he
ain't got the money for it. Fred talks to Leroy about needing that tractor and his lack of money. Leroy is very happy! Fred,
I need that same tractor and ain't got the money. How 'bout
you and me go in 'havvers' and buy it?
The deal is made. Fred pays half; Leroy pays half the cost. The two men share the use of the needed tractor.