Trudye,
If you don't mind my asking where do you find your contracts?
In a word: Networking. Customers telling customers telling customers. If you would prefer to do local work only, place an advert in the classified section of some local papers. Or better yet, ask family and friends if they know of anyone who might want/need some web work done. Start small. Don't try to conquer Mt Everest if you've never hiked through a meadow. Your work might start slowly, but if you do good work at a fair price it will just snowball from there when you ask your customers to tell their colleagues.
If you don't mind working "world wide", the web (pun intended) is a great place to find work. As you have seen, there are plenty of people on many web sites out there who are willing to "low ball" a bid just to get their foot in the door. Be cautious about this though. At least with the family and friends plan (pun intended again) you're dealing with someone you know. On the web, it's easy to get ripped off or taken advantage of.
AT ALL TIMES: Have a legal contract that explicitly states the details of the project (starting date, ending date, etc). Both parties MUST sign the contract before any money is changed hands or work is started. In fact, you might want to have a lawyer look at your contract to see if it would hold water in a court. If you don't have a generic contract written up, office supply stores sell legal packets in their business software section. There packets often have a bunch of legally binding blank contracts which you can tweak to your needs.
I don't really have any websites to recommend for finding contract work. I haven't had enough experience with any of them to really feel comfortable with a recommendation. Google "contract work" and see what you come up with.
Any way, good luck with your adventures in web development and have a MERRY CHRISTMAS!
-Ron
P.S. I have one last suggestion: Visit tek-tips on a regular basis, even if you don't have any questions. The best way to learn is to teach. So answer some questions from time to time and read what others have to say. You'll find that you'll learn a lot from this web site, even if you don't ask any questions.
We all play from the same deck of cards, it's how we play the hand we are dealt which makes us who we are. -Me