Starting university means you will probably be managing all of your finances for the first time - and on a tight budget.
Living at university can be tough, and you will end up inccurring a lot of debt or trouble if you don't look after your money carefully. Luckily you won't have to track every purchase you make on a spreadsheet, as there are many apps available to help you save, manage and keep track of your money and finances.
So whether you're wanting to find some cheap offers, find the cheapest supermarket shop, or if you want to split your rent and bills between your housemates without fuss, you'll find an app to help you within this article.
Send money like a text. Easy. Instant. And freeee!
Circle Pay lets you split bills with your housemate, chip in for the group gift or send your friend abroad a drink on you. All without worry or hassle. Your account is protected by PIN, fingerprint ID, and customisable weekly spend limits, so you can't go over budget either...
Circle were also named as the 2017 Best Non-Bank Competitor at the Retail Banking International Awards, and received the 2016 Top Digital Innovation award at UK’s Banking Technology Awards - so you're in good hands!
Acasa is a novel app for solving the problem of having to split bills between housemates - you'll never have missing money by using this app. It's simple to use, and lets you add housemates, record and then split bills, and track who has and hasn't paid up.
Pingit from Barclays is a great app for letting you send money to your friends and family in small and large quantities - which means no more getting cash out at the bank to pay towards rent or takeaways. You don't even need to be a Barclays customer to send or receive money - you just need a valid UK mobile phone number and a UK bank account.
If you feel like you're over-spending on your supermarket shops then mySupermarket may help you out. With this app you can create a shopping list that is saved and synced to their servers, but the killer feature is that it will compare prices with various supermarkets for your shop, so that you will be getting the best deal around.
This app is a personal favourite of mine, as it provides community-submitted deals across the UK for both online and local/high street retailers. This app could save you lots on your fashion, entertainment or food budget with offers and discount codes, and you can even set up alerts for specific products with keywords. I've managed to bag free drinks, food and music albums with this app in the past.
Another app that is very helpful for saving you money is Vouchercloud. This app provides many different offers, coupons and deals for many different places that are nearby and online. So if you are eating out, buying a new shirt or taking a trip down to the cinema, you might be able to save loads with this app.
An app that promises free money - what else could you possibly want?
Quidco can provide cashback tracking online so that you can claim a small percentage on your shop's back, but it also allows you to track your credit card so certain in store purchases count too. I've managed to earn myself over £30 within a couple of years - and it all gets paid directly into your bank account with no extra charge.
|More on TSR:
Essential free software for students
How to spend less during freshers
Money saving tips from our community
Got any more suggestions of apps that let you save and manage your money? Add them into the comments below: