Top 5 student budget apps




There's really no inexpensive way of being a student these days. You'll have your hands full dealing with things like trying to find a flat with rent you can afford or a provider of reasonably cheap electricity, so it can be hard to think about more detailed budgeting. You still need to do it, though, since letting it slide is a recipe for disaster: you'll probably find yourself running out of cash all too easily. Fortunately, you can enlist your smartphone to help, thanks to these budgeting apps. You won't break the bank trying them out, either, as all of them are free to download!

1: Toshl Finance

This is one of many personal finance managers, but it scores against the opposition by concentrating on features rather than looks. The app makes it simple to keep track of income and expenditure on a regular basis and will take account of holiday periods. Unlike many popular apps, Toshl Finance is available on Windows Phone as well as the usual iOS/Android combination. The basic version of the app is free, but the $20 per year that the Pro version will cost may be worth the outlay: it offers a slew of extra features, including graphs and Excel export.

2: Quidco

The idea behind this app is simple: keep spending as normal, but get a small cash sum returned either monthly or when your account reaches a predetermined threshold. As with supermarket loyalty cards, the flip side of this is that retailers will get to know quite a bit about your shopping habits – and some of your personal details, too – but if that's something you can accept, then the lure of gaining partial refunds for purchases at over 4,000 high street and online retailers may be hard to resist.

3: mySuperList

However tight your finances may get, you'll still need to buy food and other essentials, so you'll spend plenty of time in supermarkets. This app helps you to keep track of prices and promotions from the major chains, as well as Boots, Superdrug and Ocado. When you're in a store, you can scan a barcode to see whether a price is competitive. The app will also alert you to "Savvy Buys" – products which are particularly good value. You can set up a mySupermarket account and keep it synced with mySuperList for extra convenience. The iOS version of this app seems slightly more stable than its Android counterpart.

4: MoneyWise

This Android app is an excellent piece of software that's one of the most user-friendly budgeting options around. You can split your income and outgoings between several accounts – useful if you're one of the millions of students relying on a part-time job to get you through university – and see the state of your funds via a variety of graphs and tables. You can also export to HTML for archiving purposes. The almost identically named "Moneywise" for iOS is an entirely different budgeting app, but if you have an Apple device then it's also worth checking out.

5: OrSaveIt

Impulse buying is something that most students succumb to at some point. If you often find yourself buying stuff you don't really need, try this clever app. Every time you hold back from spending £2 on a cup of coffee, press the relevant button and you'll see £2 added to your "impulse saving" account. You'll surprise yourself with just how quickly those extra few pounds you save here and there can add up. Every week, you'll get an email letting you know how much OrSaveIt has helped you save.

Sources consulted:

http://www.telegraph.co.uk/education/universityeducation/student-finance/10268950/Student-finance-top-5-student-budget-apps.html
http://hub.endsleigh.co.uk/2014/february/5-top-money-saving-apps/

come join me at Olive & Bette's with Ryan Porter jewelry tomorrow in NYC!


Hey NYC! If you're free tomorrow from 11-5, come stop by Olive & Bette's at 1070 Madison Avenue (81st and Madison, easily accessible from the 4,5,6 trains!). I'll be hosting an event with Ryan Porter, maker of those awesome bracelets you've been seeing on editors and bloggers all over your instagram. Stop by and say hi!

 

#PIXIEMADEMEDOIT

HOLD EVERYTHING GUYS! My favorite NYC spot for clothing, shoes, and accessories, Pixie Market,  is having a sample sale at their Lower East Side location this weekend and things are $20, $40, and $60! I feel like I shouldn't be telling y'all this since I know I want EVERYTHING for myself, but alas, Pixie is too good of a secret to keep!

 

spring stripes




It's funny how you can walk past a place a thousand times and never really appreciate its beauty until a warm spring day sort of strong arms you into being so optimistic and just seeing everything in a new light. But that's the horribly great thing about spring weather. It thaws out even the bitterest (hi!) hearts and can put a smile on even the biggest proponent of RBF (Resting Bitch Face, for those of you unfamiliar with the fight-or-flight response of clamming up and sweating through our palms when faced with a happy emotion). After this long, and to throw some shade at Mother Nature, UNNECESSARY winter, I'm just so excited to wear loose boyfriend jeans (what boyfriend tho? ha ha ha ha *debates getting an OkStupid for the 40th time and justifying it in social situations by saying 'I made it with a friend as a joke' but really*) and heels without knowing that I'll be sloshing my toes around in the gorgeous dirt-piss-cigarette-butt miracle that is New York City snow a mere .05 seconds after it falls to the ground.

| Jeans: c/o Express | Shoes: Zara | Sweater: French Connection via Le Tote | 

run ons and running along the high line





There's really nothing like a sunday afternoon spent on The High Line with good friends, sunny weather, and no need for a jacket. Whenever I'm romping around the city (procrastinating, usually let's be real here) I like to stay comfortable with my favorite J.Crew pants (available everywhere and they fit like a cot dam glove, seriously you have no excuse to NOT get these puppies), FLAT shoes, and while I'm typically partial to the shirts of the black turtleneck variety, I couldn't resist breaking out a breezy silk top for the day. 

Also, if you're like me and a total commitment phobe with buying clothes (I return probably half of what I buy whenever I conveniently remember that I'm a broke student who can't actually justify my clothing budget) make sure to check out Le Tote, an awesome subscription site that lets you borrow and wear clothes for a month, giving you the option to keep the pieces or return them when ya done!

Ok sorry for all the run ons, my brain is total jelly right now from ~*MiDtErm SeAs0n*~ tbh! Ps, how much are you A.) CLOCKING my roots in the second picture, B.) LOVING the editorial story of the photos? It's like the first picture is like: hey I'm just goofing off, look at this totally natural candid of me where I definitely didn't have to beg a large group of European tourists to get out of my way, second picture: tee hee running down the stairs jovially and bein' ~quirky~, third picture: SPRAINED MY ANKLE ON THE STAIRS BECAUSE I'M A VAIN KLUTZ - I'M OUT FOR THE SEASON BYE.

I'm done now, I promise. 


| Top: c/o Le Tote | Shoes: Alexander Wang | Pants: J.Crew |

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