So what can we do about this situation? Well the first thing to recognize is that we are all responsible for our own borrowing. That being the case we can start to take steps to reduce the amount of money that we owe and also the amount we have to pay out each month. Think of it this way; Credit cards are not "bad", just like anything else they have plusses and minuses. With some banks, you can make more withdrawals than the number that they allow but you will have to pay an additional charge for that. (v) One more point that you have to check is the notice period before you can make a withdrawal, which is typical of most savings accounts. If this period stretches out to too long (in some banks it could be as much as three months), the account may not be suitable to your needs. Credit unions are also very good sources and you must definitely consider them. The typical advantage of going ahead with a CD with a credit union is that you get an interest rate that is significantly higher than what a bank can provide you with. It is not at all a bad idea to invest in Certificates of Deposit; in fact, it is a much assured manner of piling up on considerable amount of savings. It is important to remember that you are taking the existing balances of your bills and spreading them over the term of the new loan. Obviously you need to sit down with pen and paper and work out just how much that will add up to in interest. 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. Consult the Better Business Bureau and speak to your state consumer affairs representatives. One final point to keep in mind when you start to make your enquiries. All these organizations stand to benefit by having you as a customer. That means some, if not all, will try to get you to sign up straight away. So do you really need to have a stock market dictionary? No but once you have got yourself a good one to help you fathom out the impenetrable terminology you will find that your investing life becomes so much easier than before. More especially so if you have chosen one of the latest style ones. One reason for this is because with all the abbreviations that the financial markets use you can sometimes find that you are looking for the wrong definition.