BUDGETING APPS FOR FINANCIAL WIZARDS

Applying for uni, but worrying about how far the pennies in your pocket will stretch? Maybe you fancy the idea of an apprenticeship or further study, and want to be a little more financially independent? It can be a scary prospect and you're not alone, finances are a concern for many young people.

The Times have has compiled a list of some of the top budgeting apps on the market right now. Check them out if you need a little guidance when it comes to how much you can really spend on that inflatable crocodile you absolutely need for your "new" kitchen in halls.

​There's also a few apps approved by Money Saving Expert's Martin Lewis in there too, so you know you're in good hands.

Trust us, everyone from your parents to your pals will be blown away by your newfound money-managing prowess. The best part? These apps are all free.

1. Yolt: A fancy money-managing app that clearly lays out your finances, letting you see just how much you have coming in and going out. Handy if you're not sure whether or not you can really afford that takeaway. 
2. Moneybox: Investments may still seem like a foreign, or far-off concept, but that doesn't mean you can't get a head start by investing in yourself. Cheesy, we know. Moneybox works by rounding up your purchases to the nearest pound, and saving the extra.
   
   You'd be surprised how quickly this builds up, and it could be a pretty good get-out-of-jail fund if ever you need it. If you don't? Spend it on whatever you like. A festival, mini-holiday, or a new laptop. Go wild. 
3. Circle Pay: Splitting the bill has never been so easy – no need to worry about paying off debts owed to friends. This app helps you easily transfer small amounts of money via text, without the need for complex bank details and Fort Knox security. 
4. Flypay: Living in London? This app is pretty nifty if you eat out a lot, because it lets you automatically split the bill between your group in loads of restaurants in the country's capital. It also lets you pay, via your mobile, without even getting up from your table. Like we said, pretty nifty. (Free)
5. Splitwise: This is like Flypay, but goes a step further. You can split everything from bills to the food shop cost and even rent. Could help avoid some of those awkward money-chasing conversations between flatmates. 
6. Sweatcoin: We'll be the first to admit, Bitcoin and cryptocurrency are not categories we would pick in Mastermind. Even so, this app is simple enough for the novice – the app tracks the number of your steps while out and about, and converts them into virtual currency that can be redeemed for everything from Amazon vouchers to top gadgets.

With anything when it comes to money, be careful and be sure to do your research. Although these are all recommended apps, they have not been thoroughly tested by Push, and therefore we can't take responsibility for them.