Like it or not, money plays a big part in our lives. Whether we have it, want it, need it, or can’t find it, it forces to act and to react in certain ways. It influences most of the decisions that we make and how we spend a large part of our time.
Money also impacts our relationships with family, friends, co-workers, and even people that we don’t know. Money problems are cited as one of the biggest causes of tension and even divorce between spouses. Money problems can cause depression, unhappiness, and can even lead to bigger problems like suicide, excessive drinking, and domestic violence.


There is one of those unwritten laws or rules of the universe called the 80/20 rule. It states that 20 percent of our efforts will produce 80 percent of our results.
It is a fact that we all have the same 24 hours in a day and the same 168 hours in a week. Why then is it that some of us struggle to get things done while others seem to have all of the free time that they want?