It always annoys me when I'm in a queue at a cafe or takeaway and a group of people in front of me, who're together, all want to pay separately.   Technology should make this a thing of the past.   Check the app store for 'bill splitter' apps.    There are dozens to choose from including KittySplit, Splitwise and Billzer.   Some are best suited to situations where you're out and about - there are others, such as CountCalculate which are aimed more at groups of people living together, paying a share of a bill - for example energy bills or broadband.   Some can even calculate who owes what based on how much they earn, so those with the highest income pay the most.   It's worth looking around and one to keep in mind if you're planning a holiday with friends or even getting ready to start student life later in the year.   While we're on the subject of money, remember PayPal.Me lets you set up a unique but simple and catchy PayPal link and anyone who clicks it can quickly send money to your account.

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