Category Archives: Time Management

16 amazing quotes about TIME

I am fascinated with SUCCESSFUL people who uses their time very well. They use this as a leverage to get things done and reach their goal as soon as possible.
Here are some of the thought provoking quotes that will remind you how we should look at time.


For everything there is a season, and a time for every matter under heaven: a time to be born, and a time to die; a time to plant, and a time to pluck up what is planted; a time to kill, and a time to heal; a time to break down, and a time to build up; a time to weep, and a time to laugh; a time to mourn, and a time to dance; a time to cast away stones, and a time to gather stones together; a time to embrace, and a time to refrain from embracing; 

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David Isaiah Angway is a Financial Evangelist

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Important financial strategy

Image from Efficiency Time Table Matrix

Many people are currently lost and trying to figure out what to do with their finances. Some of them prioritize the things that they want but not what they need. While others follow the crowd or the fad. How about you, who do you follow?  
The Stephen Covey matrixis designed for time management system but this is also helpful when it comes to your finances. Once you treat your finances very  well you will surely reap those rewards because right priorities will be emphasize.

Quadrant I is for the immediate and important deadlines. This is the foundation of your financial house.  You start it brick by brick and this is a “must”.
1.      Have a vision, goals and budget  for this week, month and  year  You need to sit down and have some blue print to achieve a solid structure of your financial house. Every house or a building started in a drawing board or in a piece of paper. You got to start right or else you will waste your time.
2.      Start having an Emergency funds – Once you are good with your budget try to allocate a portion of your salary for emergency funds. Make it 10-20% every salary. If you won’t do this and something happened, you will surely be in debt.
3.      Start getting  Insurance- You will die and we don’t know when and  how. Sounds morbid but that’s the truth. You need to have a protection so your relatives or love ones will not suffer financially.
4.      Focus on Long term Investment– Time is your ally when it comes to investment. Procrastinate on this and your future will be dependent with Social security benefits. Imagine, as of this writing SSS can give you a max of 9000 per month. Can you sustain your lifestyle now with a rising cost of goods once you retired? 
5.      Pay your debts or totally get rid of your credit card – If you think credit card is for emergency, think again. Sooner or later you’ll end up a slave of your own behavior if you continue thinking that way. However, you can easily reach your financial goals by removing those consumer debts. Practice discipline and never run away from your responsibilities. 
Quadrant II is for long-term strategizing and development.
1.      Read books and blogs about personal finances– When you invest in books and you follow the principles the rate of return will be huge. It will cost you a lot once you rely on your personal experiences. Get a guidebook about personal finance since it will be more efficient to follow a system that’s proven and tested. 
2.      Plan your budget – Don’t fall in love with the first budget plan that you made. Always make necessary adjustment. Do it every week and evaluate your behavior towards your spending pattern. Your good habits will put you at the top.
3.      Attend financial seminars- When you have time and money never miss the chance to simply listen to the leaders of the personal finance industry. Parallel to that is if you love attending live concerts the experience is really different. Increase your knowledge and you will save yourself from a crisis.
4.      Get a financial coach  – Financial coaches want you to win but if your parents, grandma, neighbors are your financial coaches but they are currently in a financial woes  please  think  carefully about their advices. You need to seriously talk to someone  who is credible and who can walk the talk.
5.      Listen to a free podcast about finances– At this the age, we are so privilege to have so much information on the palm of our hand. While you are traveling you can use those apps in your phone for free to enhance your skills. Instead of wasting your time in a traffic jam you will be empowered when you focus your brain to something that’s going to make you better in a long run.
6.      Virtual shopping  for financial products like insurance,  mutual funds and stocks– You can maximize your money whenever you compare prices since almost all financial products of different companies are uploaded on their site. Do your due diligence and you will win long-term. 
7.      Check the investment options you got according to your  risk profile – Not all investment instruments are for you. It should be suitable to your needs and aligned with your goals. It might be urgent but it is important to see all the options first to make proper decision. When you cannot explain the investment that you would like to enter you may be scammed.
8.      Career planning– There is a study that Millennials (1980-2009)  is the generation of hoppers. Most of us can’t stay in a job for more than 10 years compare to the Baby boomers and Gen X. Remember that there will be a lot of seasons in your career.  Make sure you are totally prepared for the change.
Quadrant III is for time pressured distractions. They are not really impor­tant, but you badly want it now.
1.      Buying the newest gadgets, HD TV using a credit card – Many people fall into this trapof consumerism. Newest iPhone, Samsung or latest gadget is the vices of this generation, but this is just a distraction. Not really important. The kid inside you is being unchained especially when you see the 0% using the credit card installment.  Dave Ramsey said  “if you can’t buy it in cash, you cannot afford it.”
2.      Buying a vehicle for the sake of status quo – You think that wants and needs are the same. Big no! Buying a car that will help you to minimize your cost is good but remember if you bought a car because you think it is cool to have one is a worst idea, it will derail your  finances. Your savings and investment with no additional  cash flow won’t be sustainable to achieve your goals. 
3.      Buying a condominium or a house  without a plan – 30 years of payment terms is good but 15 years or 10 years payment is way better because of the fees, but before you buy you should  ask some questions like is this really important or can you just deprioritize it for another year. Planning should help you determine this. Refer to Q1 and Q2.
4.      Buying an item that will just pile up on your place. Have you ever bought a lot of shoes, books,  and things that you don’t really need but you think you will need it someday? You are a victim too of “I like this” mentality. It reminds us of our inner child. We buy something using our emotions and justify it with logical reasons. 
Quadrant IV is for those activities that yield little  or less value. These are activities that are often used for taking a break from time pressured and important activities.
1.       Watching TV series for too long. – Anything that kills  your time is not a worthy activity. Too much is not good at all.
2.       Addicted to online and phone games. Many are guilty with this and being addicted means someone can control you, not you controlling them.
3.       Sleep more than 12 hours a day. When you sleep it lets your body to recover but if you hibernate like those polar bears then you are wasting your time and that is counter productive. If you want to be successful you need to be a doer not just a dreamer.
4.      Going to Starbucks as the extension of my home– When you spend time in Starbucks or Coffee bean you tend to fall in to the “latte expenses”.  If you will compute everything that you spend just for coffee. You will hate yourself with the realization of you put all those money down the drain. 
5.      Facebook for more than an hour just checking the news feed The social media is  a good tool in marketing. If you are a digital marketer or you’re building your brand that creates revenue for you. Spending time with it for too long waiting for your friends latest posts is disrespecting your time. You cannot regain time which results to money lost.
Live like no one else so you can live like no one else- Dave Ramsey

David Isaiah Angway was a former fraud specialist and a Registered Financial Planner who currently helps young, urban and educated millennial (Gen Y) set and achieve their long-term financial goals by educating them about investments, asset allocation, risk management, retirement planning, and estate planning. His role as a financial planner is to find ways to increase the client’s net worth and help the client accomplish all of his/her financial objectives. 

Diagram Source: Steven Covey, A. Roger Merrill, and Rebecca R. Merrill, First Things First (New York: Simon and Shuster, 1994), 37; James Cooper, “3 Vital Time Management Principles for Small Business Owners & Entrepreneurs,” mimosa PLANET, December 2, 2010, accessed February 4, 2012,
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Filed under Finances, Important, Personal Finance, Stephen Covey, Time Management, Urgent

5 Time wasters of my life

One of the best thing that our God entrusted us is to have 24 hours 7 days a week. Whoever you are and whatever you do we are all equal. Recently I realized that I had lost so much of my time in the past. Here are the list in a non particular order.
1. Sleeping 8-12 hrs a day
I am guilty of this. Everybody loves to rest but the recommended time per person is just 6-8hrs. Exceeding it is going to be a problem especially if you got errands to do or projects that you need to present to your boss. Spending your time is like spending your money. Spending half of your money to the things that’s considered unproductive will make you poor.
Solution: Ring the alarm and do your planning for the day. It will surely change your perspective from now on.
2. Watching  too much koreanovela or number 1 series in america
I love Walking dead or How I met your mother but they never added value to me. I am not killjoy but spending my time to things that never give value to me is like turning on the aircon without me experiencing the coldness of it.
Solution: I normally spend 1 hour or sometimes even less than an hour since I noticed the impact of Tv in my life.
3. Facebook for more than an hour just checking my news feed.
Using Social media too much is taking us away from reality. I used Facebook and I have been hook to it. I still remember that 1/6 of my day was checking my news feed or whether someone already liked my post (c’mon you are also guilty on this) but the turning point was when I realized that I am losing so much time that I thought I can still regain it and still be productive but that old time  was not there anymore.
Solution: Checking my news feed for 5mins is good enough for me now and because I noticed 50% of my friendslist are just posting either the food that they ate or their selfie for the day. Right now you see a generation of Me, myself and I. 
4. Traveling via EDSA 
It is really a torture once you travel via this road. A recent study shows every year Philippines is losing millions of dollars because of too much traffic here at EDSA. My place is only 15 mins away from my work but once you reach the most unholy hour which is 4pm till 8pm weekdays i normally stuck for about an hour or forty five minutes. Imagine the time that I lost instead of spending my time in my crib, I was sitting waiting for the traffic to subside.
Solution: listen to any podcast like (Entreleadership) by Dave Ramsey instead of listening to the latest craze in music.

5. Reading online tabloids ( 
Most of us hate but who cares I love reading. I consider it as my favorite hobby since last year but I learned that gossip news is somehow enticing to all of us. We want to learn more about the latest news about the celebrity internationally or what’s trending worldwide but the downside aspect on this is we normally spend so much time in other peoples lives instead of focusing on how we can improve our lives.
Solution. READ books about the life of Rags to Riches 
Maybe you are currently figuring out how to manage your time properly and even waking up early just to finish all your project is not being helpful you know what to do, you need to change your behavior towards every moment of your time. Remember to plan and write it down. Lastly put actions to it.

David Isaiah Angway is a Financial Evangelist

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Filed under Change For Today, Think Positive, Time Management, Time Waster

Top 10 things 2013 taught me

It is always good to learn new things and I want to share to you what I‘ve learned this 2013
1.       We should always expect every day. Expecting is something that you look forward whether It’s tangible or not. It is a dream that you always craving for. A thing that you would like to experience. It might not always go on your way all the time but this made me productive this year.
2.       God is unlimited. He is the source of everything. Abundance and obedience is the key. Ask Him big things so He will give you big things, always remember His timeline. God made my year so memorable with the people He introduced to me. He is limitless so might as well check your phone line and talk to Him again, I can assure you He will never be busy for you.
3.       Have the right mindset. This is a domino effect with the right mindset you are expecting the right results. If you think you can of course you can but If you think you cannot then you will end up nothing. Don’t be useless
4.       Be grateful every day. Before the end of the year I am proud to say that this year is remarkable. I wrote those things that I am grateful for and amazing it took me an hour to complete it. That means I achieved something and grow more. Try to write it in a piece of paper! 
5.       Learn from different mentors. I don’t know everything and I don’t need to know everything that is the reason why I love listening to old people who have been there and done that. It is very costly to make a mistake but learning from different perspective and you try to be humble enough to be receptive it will take a couple of months or years before you reap your reward.

6.       Avoid excuses. I hate “blamestorming” this never gives me a solution, this year I learned that making excuses is not just waste of time and money. Being negative and having this chronic procrastination will not solve your problem too in the future.
7.       Create a vision board. Many of my mentors keep on telling me that I need to create this, I said “why?” they said if you can perceived it then you will achieve it this made a lot of sense to me now because before you create a house you need to have a blueprint or a plan to guide you and to remind you. I encourage you to prioritize it and download all the pictures you want to achieve and print it then pin it in a cork board to remind you where you want to go.
8.       Don’t stop dreaming. Martin Luther king Jr. said that if you have a goal that will give you focus but if you have a dream that will give you power. Learning is fun but dreaming is totally awesome. I dreamt to sing in front of the crowd with 500-1000 people and it happened this year.

9.       Believe in your capability. Many will disagree  and will mock you but if you believe in what you are doing right now is good then time will tell to those people who is the boss! Just kidding.  My self esteem was too low but when a couple of people told me that I am making a difference then that give me a boost to continue and believe it or not this year I became one of the Employee of the quarter.  
1.   Save and Invest for the future. This year thought me how to properly handle my finances very well with the help of my mentors, my time was properly manage too. I was able to start investing to different mutual funds now plus have my life insurance paid too I kept on increasing my financial IQ and was able to purchased books related to personal finance I even attended different conventions and  seminars, played leadership podcast, was able to meet again my long time friends.

Summarize your year. If you think your whole year is not good do not worry because there will be a new chapter and new beginnings. 2ndchances never stop.

If you have questions send me an email at

David Isaiah Angway is a Registered Financial Planner and a Financial Evangelist

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Filed under Financial Investor, Freedom Victory Over Finance Financial Coach, Personal Finance, Purpose, Save, Savers, Time Management