time management, insure it, it will pay back millions

Imagine there is a bank, which credits your account each morning with Rs 86,400, carries over no balance from day to day, allows you to keep no cash balance, and every eveningcancels whatever part of the amount you had failed to use during the day. What would you do? Draw out every pence, of course!
Well, everyone has such a bank. 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 to good purpose. It carries over no balance. It allows no overdraft. Each day it opens a new account for you. Each night it burns the records of the day. If you fail to use the day's deposits, the loss is yours.
There is no going back. There is no drawing against the "tomorrow."
Therefore, there is never not enough time or too much time. Time management is decided by us alone and nobody else. It is never the case of us not having enough time to do things, but the case of whether we want to do it.

to move a step forward one should shake it off ....

One day a farmer’s donkey fell down into a well. The animal cried piteously for hours as the farmer tried to figure out what to do.

 Finally he decided the animal was old and the well needed to be covered up anyway it just wasn’t worth it to retrieve the donkey. He invited all his neighbors to come over and help him. They all grabbed a shovel and begin to shovel dirt into the well. 

At first, the donkey realized what was happening and cried horribly. Then, to everyone’s amazement he quieted down. A few shovel loads later, the farmer finally looked down the well and was astonished at what he saw. With every shovel of dirt that fell on his back, the donkey was doing some thing amazing.

 He would shake it off and take a step up. As the farmer’s neighbors continued to shovel dirt on top of the animal, he would shake it off and take a step up.

Pretty soon, everyone was amazed as the donkey stepped up over the edge of the well and totted off!