Avoiding a personal financial crisis is not always possible, but there are plenty of warning signs, and many ways to avert disaster. But you have to know what to look for. These sites can help.

Money meltdown aversion is the subject of this article at suite101.com. It traces most financial crises to overspending, and it says meltdowns are usually predictable, even expected. Self-discipline and cutting back are the cures. Embedded links take readers to help with making a budget and other ideas. A "read on" section leads to additional articles on money-related problems, such as one called "Money Problems in Marriage: Financial Infidelity, Lying to a Spouse."

Simple steps that could help you build a lifestyle to avoid financial crises include the admonition to "give generously," according to this entry at eHow.com. The point about giving isn't altruistic; it's that "one day you may need the favor returned." Moonlighting, saving, and managing your credit are also on the list here.

Work sheets at this Credit.com page are meant to help you sort out a variety of financial issues. Among them is a checklist for car shopping, a guide for working toward a financial "dream," and an outline for dealing with an immediate personal financial crisis. This last one breaks the task into three parts - evaluating the problem, investigating, and taking action. However, contrary to the advice at suite101, above, most of the action items involve borrowing more money. The site is, after all, Credit.com.

Ilyce R. Glink's ThinkGlink.com blog post, "Personal Financial Tips for Financial Crisis," dates to the depths of the recession, but it is still good advice for weathering a crisis, be it personal or global. "Make yourself indispensable at work," she reminds; watch your credit rating; and know exactly how much money is flowing through your fingers. Glink's blog at www.thinkglink.com/blog has many more recent suggestions on cutting heating costs and other expenses.

Contact staff writer Reid Kanaley at 215-854-5114 or rkanaley@phillynews.com.