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Answer for the clue "Note from someone who's needy? ", 3 letters:
iou

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Word definitions for iou in dictionaries

Wikipedia Word definitions in Wikipedia
An IOU is an acknowledgment of debt. IOU may also refer to: In music : I.O.U. (album) , by jazz fusion guitarist Allan Holdsworth "I.O.U." (Freeez song) , by jazz-funk group Freeez "I.O.U." (Jimmy Dean song) , by country singer Jimmy Dean "I.O.U." (Lee ...

The Collaborative International Dictionary Word definitions in The Collaborative International Dictionary
I O U \I O U\, IOU \I.O.U\([imac]" [=o]" [=u]"). [phonetic, from I owe you.] A paper having on it these letters, with a sum named, and duly signed; -- in use in England as an acknowledgment of a debt, and taken as evidence thereof, but not amounting to ...