So teach us to number our days that we may get a heart of wisdom. (Psalm 90:12) One of the greatest asset in life is TIME. As we grow older, it dawns on us that our time on gets limited as each day passes by. One day you will stand before God and give account of what you did with the TIME allotted to you. God is a just God and there is no unrighteousness in Him. He gave every man on earth equal TIME of twenty-four hours daily regardless of your country or origin, your race or face. But what we choose to invest this TIME on and how we manage it determines the outcome and the achievements of our life. It is rightly said, "TIME and tide waits for no man" you are not getting any younger. Rise up! Take charge of your life by managing your TIME effectively. Master the art of "TIME MANAGEMENT". TIME management refers to the art of managing time effectively so that the right time is allocated to achieving a specific goal per time. KEYS FOR EFFECTIVE TIME MANAGEMENT: 1.