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" The time to save for the future is now. Thanks to compounding interest, the earlier you start putting money away for the future, the more you will save. "

Alexa Von Tobel

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" Manage your spending by creating and sticking to a budget. "

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" What's the point of creating a budget if it's not possible to follow through? "

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" As a wife, daughter, friend, and the founder and CEO of LearnVest, my schedule is anything but simple. But I learned early on how meticulously manage my time. "

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" For many, graduation marks the end of formal student life - the end of long spring breaks and of thinking that a 10 A.M. class is far too early. "

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" Know the difference between your necessary and discretionary expenses. "

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" I think of all my time as existing in 15-minute blocks. Most people think in terms of 30-minute chunks, but I've found that when I free up more time, I waste it. "

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" We never intend to lose our jobs, break up with our live-in loves, or face any number of the curveballs life throws our way. But they happen all the same, so have a bailout plan just in case. Sounds corny, but I call this the 'freedom fund' because it gives you the freedom to get out of a jam without climbing into debt. "

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" Bring your kids along next time you go to the grocery store and ask them to help find the price per unit for the general grocery items. By comparing brands and looking for the best prices, kids will get in the habit of looking for deals and understand the value of the dollar. "

Alexa Von Tobel

" My ultimate goal is to create operating systems for myself that allow me to think as little as possible about the silly decisions you can make all day long - like what to eat or where we should meet - so I can focus on making real decisions. Because mental energy is a finite quantity. "

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" Without any formal personal finance instruction in our high school or college curricula, many college seniors who graduate in the red will continue to make common financial mistakes that only exacerbate their debt burdens. "

Alexa Von Tobel

" Flowers make me irrationally happy. "

Alexa Von Tobel

" I started LearnVest with a tiny savings account where I paid designers, technologists, and even bartered... Because I started with paying for things myself with my own savings, it sharpened my focus of how to spend money. "

Alexa Von Tobel

" I am so organized that it's dysfunctional. Everything has a place. I am a very visual person, so my environment is important to me. If my environment is messy, I can't think clearly. I don't like clutter. A clean desk is a clean mind for me. "

Alexa Von Tobel

" A financial plan is a way to take all of the money advice you come across and figure out how it applies to your specific financial situation. "

Alexa Von Tobel

" Your credit report should be 100% accurate, so make sure everything is entirely correct. If something doesn't look right, dispute it. "

Alexa Von Tobel

" If you're trying to diet, what do you do? You grab your two friends and say, 'We're going to the gym; let's do this together.' Money shouldn't be any different. If you're trying to make progress, if you're trying to save more, we really need to be able to get support. "

Alexa Von Tobel

" When you're at work, it's about being present and getting as much done as humanly possible. "

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" It's important to have a really clear strategy so when you are in business, you only have to make micro-strategy changes. "

Alexa Von Tobel

" Tax time is the perfect opportunity to jumpstart your spring-cleaning by tackling your financial to-do list. "

Alexa Von Tobel

" I always encourage people to pay themselves first, so I really advocate setting up direct deposit for your paycheck and establishing an automatic transfer so that part of each paycheck goes straight into your savings account. "

Alexa Von Tobel

" Kids can learn a lot about necessities and wants by recognizing what people live without. A common routine, but one that should not be overlooked, is having a family donation to a charity for those less fortunate. Ask your kids to search for items, toys, or clothes that they no longer use and contribute those items a collection box. "

Alexa Von Tobel

" When I was younger, I used to play mind games in which I'd try to finish tasks in minutes. My favorite was when I would shower, lay out my school clothes, then devour my dinner - in 15 minutes flat. "

Alexa Von Tobel

" A good financial plan is a road map that shows us exactly how the choices we make today will affect our future. "

Alexa Von Tobel