I go to bed at 2 a.m. and get up at 7 a.m. - I've never been a sleeper. But I definitely get sick every month-and-a-half.

Even if you feel like your debt is just never going to go away, think long and hard before declaring bankruptcy. Declaring bankruptcy means that getting a loan for anything will be next to impossible for the next 10 years.

There are many random, unprotected sites online that appear safe to use and are ready to accept credit card information. You wouldn't give a stranger off the street your credit card information, so be extra cautious about who you are sharing it with online.

As an entrepreneur, you have to be OK with failure. If you're not failing, you're likely not pushing yourself hard enough.

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

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.

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.