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Saving is the art of taking one dollar, and making it worth more. So what’s the best way? We’ve put together this list of the top five ways you can work your money without losing your mind.

Student loans are one thing, but credit card debt is just dumb. Often enough we owe money on our credit cards simply due to disorganization, causing the average American to be $6,000 in debt. The fact is there is no reason you should be paying these late fees, which can get pretty nasty, turning a few missed payments into a really big problem. If you do owe money on a credit card, try consolidating the debt by getting a personal loan with a lower APR. Since credit card interest rates are killer, this will be relatively easy to do. If you’re bad at remembering to pay off your credit card monthly, try setting up an auto-payment. This is the easiest way to make sure you don’t forget payments, saving you a lot of time and money in the process.

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