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Downloading apps and using apps over 3G will use your data allowance. If you are connected to a WiFi source then it will use that over 3G as it is faster and it will not use your data allowance.
Downloading apps over 3G if the app is over 10mb then it will not let you download it anyway.
Also if you are on O2 you can download the O2 app which shows your bill details along with the data you have used so far in that month.
To be honest 1GB is quite a lot of data allowance for normal everyday 3G use.
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