Mellody's Best Financial Web Sites

Bankrate.com also has advice for home buyers, small businesses owners and those with personal finance issues. It has some great calculators to help you determine everything from how it will take to pay off your credit card to whether you should lease or buy a car.

I also recommend Google's Tipjar.

Everyone has been tightening their belt this year, so most people think they have saved as much as they can. Google wanted to help people save more, so they created Tipjar, where people can find and submit tips on how to save money.

I went on the site and found this tip, which I like: Give a service instead of an item. For new parents, give an evening of babysitting. If you know pet owners, offer to take care of their pet when they travel. Or offer to mow the lawn as a gift to a new homeowner in your neighborhood.

You can even vote on the usefulness of the tips, which ensures the most useful ones are front and center.

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