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.