Now I guess at this point you're thinking hey, I could do that myself. Well, yes, you could and you may succeed. But I'll wager that a credit counselling service can do the job better. And what I mean by better is that they will get you a lower repayment schedule. Why? Simply because they have more clout and credibility than you would have as an individual. Having done that it is simply a case of taking the bill consolidation figure from the credit card cost. Voila! You have got the amount you will save overall. That of course is just the start. You've got a ball park figure but you want to know the best don't you? That's where shopping around comes in. The best source to do the research is definitely the Internet, where you get information not only from the websites of the financial institutions that provide the CD products but also from the various blogs and forums where people discuss about CDs and which of them are the best. Since these are real user comments, they could be very helpful for you in deciding the best CD products. But at the same time, you have to realize that there might be disadvantages of these online accounts too. Here we make a list of the pros and cons of the online savings accounts. The Good Side of the Online Savings Accounts The best thing is the convenience that you get. You do not have to stand in serpentine queues anymore to find out what s going on with your account. The Dutch as leaders in this new field soon began to develop some of the financial instruments that we are all still familiar with today. They introduced things such as traded options, short selling, unit trusts and even debt-equity swaps which were revolutionary at the time. After the early success of those Dutch pioneers other countries soon began to see how they could copy this new trading model. Warren Buffett's approach of "KISS" or "Keep It Simple Stupid" is something that any novice investor can follow. He advocates never placing money into any venture that he doesn't immediately understand such as micro technology. A second guideline for the newcomer to stocks is to do your own checking before parting with any cash.