Experts say that consumers should do a better job saving money while controlling spending and borrowing. Here are some useful Web sites with tips for all of us:

• The FDIC's "Quick Links for Consumers" page, which features brochures and back issues of FDIC Consumer News, at www.fdic.gov/quicklinks/consumers.html.
• The federal government's central Web site about managing money at www.mymoney.gov.
• Ideas for cutting spending from the "66 Ways to Save" campaign at www.66ways.org.

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