Safe investing is really just a matter of following some common sense guidelines when it comes to that risk. Some of the best known and most successful investors of all time such as Ben Graham, Warren Buffett and Peter Lynch are all known for looking for straight forward opportunities to put their money into. 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. Consolidation service is the name used by many of these companies to describe a service where by they will negotiate with your creditors. It's an especially useful service if you're not a home owner but you have debts that you can no longer manage. You simply let the bill consolidation service contact your creditors and agree lower monthly or weekly repayments on your behalf. Tell them you have a better deal on the table across the street. You'll be surprised just how much things can change with a little bit of competition. Of course if you've got poor credit things might not be quite so simple. And if that is the case maybe the best thing would be you for you to talk to a licensed debt counsellor or visit a bill consolidation service to get some idea of how you can reduce your monthly commitments. These maybe considered the tortoises of the investment race but remember slow and steady over many years will soon mount up. The second way to approach the market is with a view that you are young enough to gamble a little on the hares of investing. If these go wrong you will still have the time to recover and rebuild your portfolio. Understanding The Stock Market 101 If you are looking to get started with investing in stocks and shares you really need to get to grips with understanding the stock market. While you don't need to become an expert or have an in depth knowledge you certainly need at the very least a basic understanding.