All you have to do is multiply the monthly repayment by the term of the loan. 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? Of course for anyone who is thinking of approaching a bill consolidation service there are some very important points to keep in mind. Just as with any other form of loan every aspect of it needs to be carefully weighed up before going ahead. Things to consider are: 1. How much will the overall cost of the loan work out at? It's essential that you select the right method for both your needs and your personality before you invest anything at all. To do that you need to really consider all the different ways of investing. Money can be made in almost any type of investment but matching it to your personality will make it a much more sensible approach. While it's not the buyers market it was there is still some competition out there and you need to exploit it to your advantage. After all, over a few years all those dollars soon mount up in your favour. If you're a home owner you will find that you can often get a much more favourable rate if you take a loan which is secured on your property. Of course part of the reason is the undoubted complexity of stocks and shares but there is just that sneaking suspicion the new investor will have that it is to keep the uninitiated out too. So getting a stock market dictionary will help to even out the playing field. The great advantage of some of the very latest dictionaries is that they are grouped around particular subjects rather than laid out in alphabetical order like an ordinary one. 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.