Smartphones are here. Smartphones are fun. Everyone wants one or already has one. And why not.

Of course we want to be frugal especially when we are stressed about paying student loans but what if you could use the smart phone as a tool to help you be more frugal.

Also keep in mind a basic tenant of life. Time is money. Time management can lower overall stress even when student loan payments have you down.

Dealing with students loans is about money, time management and stress reduction.

Can we use the smart phone to save money? Sure.

Can we use it to make better buying decisions and to find deals. Of course. Ever heard of ScoutMob or Groupon or Living Social.