BetterBudgeting.com is the Web site of Living a Better Life, an e-zine devoted to helping families save money. It’s free and there are plenty of featured articles on a variety of pertinent money-saving topics. Search the categories on the left sidebar to find specific advice, or subscribe for free to the e-zine. Either way, the site offers plenty of helpful tips.

BudgetingOnline.com is the Web site for Mvelopes, an online budget-management software program that was rated one of the best products in 2006 by PC World. Based on the premise that most people spend 10 percent more than they earn, Mvelopes seeks to determine where your 10 percent comes from and then help you eliminate it. There’s a monthly fee for the service (charges start at $7.90 per month) but the program is comprehensive. For example, you can set it up so that you can have information automatically entered from your bank or credit card.

SimpleD Budget is an open-source Windows application that helps you make a budget by allotting money in a variety of spending categories. Simply enter the sum that you have available in each category. Every time you spend money, enter the amount into the program, which will automatically deduct the purchase and then tell you how much money you have left in that category.

CNNMoney.com has a “Money101” section with a chapter called “Controlling Debt.” It provides a thorough primer on debt that explains what it is and provides tips to help you manage it.

Bankrate.com ’s “Debt Management” section includes a “Debt Management Basics” feature that walks you through the fundamental aspects of debt and debt management. You’ll also find a “Debt pay-down advisor” calculator to help you determine the best ways to pay for your debt. Look for regular columns with advice about debt, some quick tips about debt management on the landing page of the section, and links to additional news and resources.

The Federal Trade Commission has a site about credit that covers credit cards and consumer loans. Browse the articles here to find one that can answer your specific credit or debt question. The FTC provides lots of tips to protect you from fraud and help you fully understand how debts and credit cards can affect your credit score, and what rights you have as a borrower.

HowStuffWorks has a “Credit & Debt Management” section containing a series of articles about credit and debt. Try the article on “How Credit Scores Work” to get a better idea of how debt and credit interact.

TrueCredit teaches you a number of ways to improve your credit. Select from the articles listed on the homepage or use one of the “Credit Worksheets” links in the right-hand bar to get started. Also be sure to check out the site’s "How to read your credit report" tutorial (also in the right sidebar).

Credit.com has articles about improving your credit score and about debt reduction and refinancing. Use the credit score compass to get an estimate of your credit score by answering a few generic questions about your finances and debt. The "Credit Cards" tab near the top of the page contains information about how credit card companies stay in business, credit card catches, and the dangers of applying for store credit cards.