The lives of millions of people in Britain are so precarious that a third of families would have trouble finding £500 for an emergency bill. With average wages still below where they were eight years ago, it’s hardly surprising so many people, particularly the young, struggle to make ends meet. But there are a string of smartphone apps that could make the task of staying in the black that little bit easier. From sticking to a monthly budget to ensuring your bank balance stays out of the red, here’s how technology could help you manage your finances.