Have you ever had a day where your money just seems to disappear? Of course you have. Maybe you go out to lunch, you end up getting appetizers and dessert. You stop by the store and make an impulse buy. You remember a bill that’s due tomorrow so you pay it over the phone. Pretty soon, your wallet is much thinner and you’re left wondering where all your money went. It works that way with time too. We decide to run a couple errands, they take longer than expected, we get stuck in traffic, a friend swings by for a “quick” visit, and suddenly the day is gone and we didn’t do anything we had planned. The funny thing is that this is much more likely to happen if we don’t have a plan.