Use your iPhone for good, not evil

As I mentioned before, I have a love-hate relationship with my iPhone, because iPhones are ridiculous moneysucking monsters when you let them be. They lure you in with promises of social and productivity bliss, make themselves seem indispensable, lock you in for the long term and then drain you of wallet-health.

But deal with them the smart way, and they can be your best friend on the way to student financial freedom.

Meet your new financial planner

How to train an iPhone: four tips to using your iPhone to help you reduce spending in style

1. Use the Notes app to make shopping lists and menus. This is paper-friendly, efficient, and you never have to worry about going to the grocery store without it. Remember to never spend money on apps if you can help it!

2. Make daily scheduled To-Do lists. Either in Notes or in your favorite free To-Do app.

3. Track your expenses with iExpenseIt. You can download this for FREE, and it lets you track your finances over 100 transactions, which is about 2-3 months. This is lovely for student finances. I almost jumped for joy when I found it, and so far it`s helped me cut down on expenses by about $200. It makes personal finance make sense.

4. Never buy apps. Unless absolutely, absolutely necessary. Chances are the advertisements you see in the App store make the App seem too good to not buy. It`s all marketing, baby. Save that money up for a nice new bottle of polish.