It feels like we've averted the financial meltdown on Wall Street that many feared. Our attention is now shifting toward Main Street, employment, and consumer spending. With many experts saying that we are in or heading toward a recession, reviewing your day-to-day spending and evaluating the state of your personal finances is both well advised and smart.

To help you navigate the mass of personal finance resources on the web, Moneysmartz recommends visiting the personal finance pages of the leading financial portals, including Yahoo! Finance, Marketwatch, MSN Money, CNNMoney.com, Morningstar, Kiplinger.com, SmartMoney, Wikipedia, AOL Money and Finance, Fool.com, and USA.gov. These pages include money management, investing, insurance, estate planning, and college financing tips, advice, and resources. Moneysmartz recommends spending a few minutes with each site. Find the site that best meets your needs and visit it frequently to gain comfort and integrate into your decision making process.

If the recession is worse than expected, then you'll be better prepared to weather the storm and come out on top. If the recession turns out to be a mirage, then you'll just be a little smarter.