It will also ensure that you are paying a much, much lower rate of interest than you would be paying on your cards. By shopping around you can usually find some very good deals available from the major lenders. And don't forget to try and haggle down the rate you are offered. Tell them you have a better deal on the table across the street. If they combine their outstanding finances into a one debt consoilidation loan they can usually reduce their monthly outgoings quite considerably. It is not just the reduction in the amount of money they have to find each month that makes debt consolidation loans so appealing to people. Perhaps the greatest benefit of all is the peace of mind such loans can bring. Also, since these banks are operational through the Internet, you don t have to worry about not being in the country to make a particular deposit or a withdrawal from the account. Your deposits and withdrawals reflect in your account in real time, so you don t need to wait for them to show in your account. That's not to say that you can't invest without learning about the stock market but it will be a far riskier proposition. You don't need to know every last detail about how the markets operate but knowing the basics will enable you to spot potential problems far more easily. There are a number of different ways of learning about the stock market and you should choose one which is best suited to your own particular learning style. Your choice is limited only by your imagination and of course the depth of your pockets! Whichever way you decide to invest there are some "rules" which carry across regardless. One of the fundamentals is to know what you are doing. Without this you are not investing but gambling. Let's take an example of the silver markets about 30 years ago. First up, make sure you only tell them the truth. Do you know one of the biggest reasons why people get turned down for debt consolidation? Poor credit isn't the answer! It's because they lied on their application form. It's that simple. Think about it. If you were asked to help someone out would you trust them if they lied to you?