Some sites to help you make it through the Recession.

www.nfcc.org
This Web site of the National Foundation for Credit Counseling helps users find a nonprofit credit counselor in the user’s area. It also offers how-to advice, such as a how to request a copy of your credit report, and a budget calculator that compares your monthly spending to others. –Wall Street Journal
www.practicalmoneyskills.com/english/index.php
Geared toward teens but useful for adults, this site by Visa teaches the basics of money management in an engaging way. Test your knowledge with the Financial Football game. (If you know your stuff, you should have a Devin Hester-like return on the kickoff.) — David Roeder

www.investinginbonds.com
You know how it is when you get older: bonds might be a better investment than stocks. But just figuring out bond prices is daunting. This service of the Bond Market Association lays it out in plain English, even if you don’t know an ABS from an ATV. –David Roeder

cardweb.com
creditcards.com
bankrate.com

All things credit card oriented. Cardweb.com is where to go for third-party information about the credit-card industry, as well as news and commentary for consumers about individual cards and card issuers. CreditCards.com is sponsored by credit-card companies, and is loaded with offers broken down by rates, special offers and special needs. Bankrate.com is a major clearinghouse for consumer finance information. It includes credit-card basics and calculators that let consumers determine their credit and budget, and tally how long it will take to pay off debts. –Dan Miller

www.dinkytown.net
This amazing site offers calculators on any aspect of your financial life you want to know about, and some you may not want to know about. Various functions tell your net worth and estimate how much you need to save to retire without having to start a lemonade stand at age 75. –Mary Wisniewski

www.fueleconomy.gov
At this U.S. Department of Energy site you can search for the cheapest gas prices by city, and compare automobiles’ gas mileage, greenhouse gas emissions, and pollution and safety ratings. The site also includes tips on how to get the best gas mileage out of your vehicle and information on hybrid and alternative fuel vehicles. –Francine Knowles

www.InsureUonline.org
Skyrocketing medical costs are prompting fly-by-night insurance companies to offer too-good-to-be-true policies. This site will link to state insurance departments and their complaint databases. The databases show which companies are licensed to sell insurance, and whether a company has a history of complaints. –Sandra Guy

zillow.com
Want to check on the estimated value of your home, and also peek at the values in the neighborhood? Go to Zillow and plug in your address and watch the magic happen. You get a satellite or line drawing view of the ‘hood with accompanying prices based on records from sales, physical characteristics of the homes and so on. You can use the My Zestimator tool to add information, such as about remodeling, that will refine the estimate. You also can request information on comparable homes, which could come in handy in doing research if you are considering appealing your tax assessment. –Howard Wolinsky

www.interest.com
Check this simple yet thorough source for information on mortgages, home equity loans and lines of credit. Calculate what you can afford to borrow, or look at what you gain or lose using an adjustable-rate loan vs. a fixed-rate loan. The site also explains financial terms. –Polly Smith

www.InsureUonline.org
Consumers who want to check out whether an insurance quote comes from a legitimate insurer, or to check how frequently their insurer gets complaints, can find what they need at this Web site. –Sandra Guy

http://cflbulbs.com/
I recently replaced a half dozen incandescent light bulbs with compact fluorescent bulbs that promise seven-year lifespans and lowered electric costs. I’ve already seen a drop in my electricity bill, though I can’t say how much is attributable to the bulbs. Cflbulbs.com contends: “If every household in the U.S. replaced just one incandescent light bulb with an energy-efficient compact fluorescent light bulb, it would eliminate the equivalent of the emissions created by one million cars. And that’s only one bulb per household! Most homes have 15-30 bulbs.” –Howard Wolinsky

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