Assuming that you feel comfortable with your risk level and the length of time you will need to tie up your money for you can begin to choose how to get started with your investing in the stock market. You have a couple of choices. You can either make your own decisions on where to place your investment money or alternatively get a professional to do it on your behalf. However if you choose to use a financial professional then you just need to make some enquiries to ascertain their track record. Don't assume that because they are a professional that they know everything about each different aspect of investing. Whichever type of investment you are considering make sure they have a proven track record in that particular field. You could apply a certain percentage on the riskier hares while placing the majority of your cash with the safe and steady tortoises. The next decision is whether you want to select your own portfolio or get a professional to do it for you. Both of course have benefits but by getting advice from a pro and asking them why they choose the investments they did will help you gain a free insight at the same time. By learning to manage your risk levels you can ensure that you only select positions you will feel comfortable with over the medium to long term life of your portfolio. Once you begin to get a good grasp of how the markets operate you can begin to make some investments of your own. However before you start to lay down your hard earned cash you might want to try paper trading. Very simply the market is driven by supply and demand. That means that if there is only a very limited number of shares in a particular company available the demand for them will be far greater than if the market place is awash with them. So you can see that just like an auction where there are a lot of people who want what is on offer the price will increase to reflect that demand. Will it be a worth while saving that you make each month on your existing repayments over how much you pay in the long term. Of course if you are consolidating bills from credit cards you will probably find that the lower interest rate will make a huge saving in both the monthly repayment and the overall cost of the loan.