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    Despite a recession allegedly in our rear view mirror, frugality remains a hot, dare I say trendy topic. Nowhere is that more evident than in the often expensive world of consumer tech. Those of you currently debating that iPad purchase know just what I mean. But remember, a one-time splurge could pay dividends in the long run if you do your homework.

    Take Steve Jobs’ previous technological wonder. The iPhone’s price tag might seem hefty, but just a cursory review of its money-saving potential might prove tempting to even the most fiscally conservative. Here are ten of our favorite apps for the frugal-focused.

    The first step to saving money is learning how to handle it. Depending on your needs, there are literally hundreds of apps to help you manage your money, track expenses and pay bills. You can use your iPhone to make late fees and overdrafts a thing of the past.

    1. QuickenExisting Quicken users as well as newbies will no doubt find this simple but handy app the ideal way to check financial accounts on the go. Track your financial goals, monitor account activity and even find an ATM.Cost: Free
    2. BillMinderOne of the most popular bill tracking apps out there, the interface is simple, sleek and easy to use. Plus, you can back up your data and export via e-mail for added peace of mind. Enable push notifications to make sure you never miss a due date.Cost: $1.99



      Once you’ve got your accounts balanced, it might be time to start spending (wisely). But a note to the coupon clippers: Now you can leave that Sunday circular at home.

      3. Coupon SherpaCoupon Sherpa offers both in-store coupons (just show the entry at checkout) as well as exclusive deals just for users. You can search by category or store name, locate merchants closest to you, and even e-mail coupons to your friends. (Disclosure: the author is the founder of Coupon Sherpa.)Cost: Free
      4. Grocery Gadget Shopping ListScribbling down grocery lists is so 2006. Meticulous shoppers can now download apps to manage their grocery needs, ensuring every discounted item is accounted for. This one allows users to upload and share lists while offering additional frugal options like price comparisons and coupons.Cost: $4.99

        Food & Drinkcool-fun-coolest-top-best-new-latest-high-technology-electronic-gadgets-gifts-

        The recession has taught even the most sociable among us the value of eating in. These apps can make it cheap, and relatively pain-free for even the most amateur of gourmets.

        5. Dinner SpinnerA godsend for foodies. Spun off from the hugely popular website, it offers quick access to thousands of recipes complete with directions, photos and user reviews. Try the “spinner” and find yourself a new favorite dish. Tips not required.Cost: Free
        6. MixologyInstead of fighting the crowds for a $14 martini, home-based mixologists can entertain friends hassle-free. Mixology features 7900+ recipes and a fun “liquor cabinet” feature to manage your whole inventory. Charge a cover at your next shindig, and you’re back in the black!Cost: Free

          Whether you drive, fly, ride the rails or hail a cab, just getting around can cost a pretty penny. Luckily there are a number of apps to help keep prices (and aggravation) down.

          7. MapsThe only native app (though based on Google Maps) on our list is a no-brainer for anyone who relies on public transportation. Integrating directions, schedules, traffic and more into this mega-app, you’ll find the closest, fastest, and most importantly cheapest route with ease.Cost: Free
          8. Gas BuddyDrivers can use this to find the cheapest filling stations nationwide. With prices varying as much as 20% (even in the same city) this could mean big savings. Get distance, directions and time estimates to each location. Just stay off that phone when you’re behind the wheel!Cost: $2.99


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