Drawing tips to fix anatomical problems and going off model?

I have two major problems as an artist which I mentioned in the title.(a third is no budget, but it's rather a minor problem) While I found a method to slowly overcome flatness (by using guidelines), and off models sometimes give me inspitrations for my characters, I hardly find any help on anathomy. In Sketching Manga Style there's only a minimal, an I mostly look at female bodies, thus male ones are harder to draw for me (even I'm a bisexual, but I like women better). Also I need a bit work to translate the whole handdrawing thing into vectoral works (I don't have a graphics tablet or correct drawing tools).

http://www.pixiv.net/member_illust.php?mode=medium&illust_id=34334589

Here's my only original work so far (one is in production, the rest on pixiv is traced over other fanarts as practice). I know, I forgot her hair decoration on the left picture.

This should really go in Visual Arts, not Writer's Block.

It's moved.

I recommend these Tumblrs. :D

This thread may help you find more of what you're looking for as well!

Do you use references? What sort?

Well I haven't used any references yet, I'll try it.