Anyone who’s ever accidentally downloaded a large email while on holiday will attest to the ridiculousness of data roaming charges, and though there’s no indication from the networks that they’re working on putting things right, there are measures you can take to avoid an end-of-month sting. Once installed, this app drastically reduces the amount of data required to perform everyday tasks, such as retrieving email and posting to Facebook. We’re not entirely sure how it manages such a feat – we just know that it works and we’re not about to complain.
Available on iPhone (free) and Android (free)

It’s hard to get ahead if you have debts of any kind hanging over your head. Student loans and credit card debt needs to be paid off as soon as possible. The average annual percentage rates vary anywhere between 20% and 30% which means the balance will end up keep growing if you don’t get on top of it sooner rather than later.

In short, music costs money for you because there are people who are better than you at it. This is basically the same reason why your car (probably) wasn’t free: you wanted a car that actually functioned at a high level, and the one you could have built with your bare hands out of materials you’d gathered yourself just wasn’t good enough. So you bought the higher-level work of a professional. Nobody charges you for whistling melodies you’ve made up to yourself–but if you want something that’s been vetted as the highest-level work, by millions of people, you need to pay for it or learn how to do it yourself.