Imagine your bank account is credited each morning with £86,400; that's a lovely thought isn't it? It carries over no balance from the day before. Every evening the bank deletes whatever part of the balance you failed to use during the day. What would you do? Draw out every penny, of course!

Well we all have such a bank, and 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 in a worthy purpose. It carries over no balance, it allows no overdraft. Every day it opens a new account for you. Each night it burns the remains of the day. If you fail to use the day’s deposits, the loss is yours alone.

There is no drawing against “tomorrow”. You must live in the present on today’s deposits. You must invest it to get the optimum in health, happiness and success. The clock is always running. Starting now, make every minute count and have something to show for your 86,400 seconds; whether it's snuggling with the kids and watching a movie, enjoying a decompressing bubble bath or winning a massive new contract - it all counts if it adds value to your life.