Problem: The recession has wrecked havoc on your financial resources. And while you’re getting used to holding back the tears when you look at your 401K statement, you need to do something to get back on track. But what?

Solution: You could meet with that oh so pricey financial planner—but who can afford that right now?! Instead, check out Simplifi.net, a free financial planning and advice service that allows you to manage your debt, get advice on long-term savings and investments. This site is built on the same financial modeling engine used by certified financial advisors and a Registered Investment Advisor with the SEC. So take that money you would have blown on a planner and start fixing your finances.