Imagine there is a bank which credits your account each morning with Rs 86 400 carries over no balance from day to day allows you to keep no cash balance and every evening cancels whatever part of the amount you had failed to use during the day. What would you do Draw out every pence of course Well everyone has such a bank. Its name is Time. Every morning it credits you with 86 400 seconds. Every night it writes off as lost whatever of this you have failed to invest to good purpose. It carries over no balance. It allows no overdraft. Each day it opens a new account for you. Each night it burns the records of the day. If you fail to use the day s deposits the loss is yours. There is no going back. There is no drawing against the tomorrow. Therefore there is never not enough time or too much time. Time management is decided by us alone and nobody else. It is never the case of us not having enough time to do things but the case of whether we want to do it.