There is certainly something to be said about the art of saving money. It’s undeniable that a lot of us like to find good deals. It can even be addictive, to some extent – if you’ve ever heard the stories about extreme coupon users, that’s one example of this desire spiraling out of control. Don’t worry, though. Just because you enjoy saving some cash doesn’t mean things will get crazy. In fact, it’s a good thing for most of us. We should always try to find the cheapest options, especially when it comes to something like borrowing money. In this sense, it’s best to find the best APR. This is a combination of any fees that are associated with a loan and the interest rate on it. If we find a low annual percentage rate, we are saving money in the long-term. Sure, we still must make repayments on the borrowed money, but less interest means less cash spent in this period. To some of you, this sounds like obvious stuff. I mean, of course we want to find the best rates. However, for