The craft movement has seen more and more people turning to the internet for inspiration, with many looking to cut their spending and even make money selling their creations. BuzzFeed’s Nifty aims to spark their imaginations through short instructional videos for DIY projects and life hacks.

There are lots of ups and downs to working on an adjustable schedule – doing double overtime one week, scrambling for a job the next. There’s now a new way to handle the financial instability of irregular employment – Even, an app that helps people with a variable income maintain a stable cash flow.

It doesn’t matter what income you’re on, everyone spends in the struggle for status. From make-up to man-bags, protein shakes to plastic surgery, jewellery to private jets – we all splash cash in the name of vanity. And new research shows that these purchases could be worth as much as $4.5 trillion.

"Salutations, Megan!" reads a chat bubble that pops up on your phone. “It looks like you spent $600 more than last month.” A graph of your spending follows to illustrate how you frittered your money away. This is Penny, a chatty finance app that comes complete with ginger hair and jokes.