Money & time are two commodities that are usually in short supply. The truth is that both of them will be entirely used up. If we want to be more efficient and effective, we need to learn to tell our money & time how they will be used. If we don't schedule and budget we will still find ourselves with money and time gone, but without any idea of where they went.
We will control both commodities better when we have a plan and stick to the plan.