Budgeting Time & Money

People are divided into two classes:  drifters and non-drifters.  A non-drifter is a person who has a definite major purpose, a definite plan to attain that purpose, and is busily engaged in carrying out his plan.  A drifter does no real thinking.  He acts upon the thinking of others. Successful people know themselves. How are you using your time? How much of it are you wasting, and how are you wasting it? What are you doing to stop this waste? Tell me how you use your spare time and how you spend your money, and I will tell you where and what you will be ten years from now.

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