If you go to 3D.sk I'd reccomend paying for atleast 1month's worth. Then look up photo sets for the body type and gender you're looking for, and download all the useful stuff from those sets. Thats what I did, and I've now got a good variety of full sets of character reference which will come in handy for a long time. You can also sign up for 3months and that way you can download entire photo sets very easily, but its a question of laziness vs money.
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alternatively, this here is one that I see a lot of people using for basic female anatomy.
http://www.foundation3d.com/uploads/instruction/2008/10/17-10-622413.jpg