Definitelly time is a huge factor when it comes to the aspect of making money,it is a non renewable resources and need to be handled very well.Once you can properlly plan your time and allocate task in order of their priority,then you can be very organise in your personal life.Time is considered as money because the more time you waste time on irrelevant thing is the more you are losing money on daily basis which is why it is very important to work with time and make more money from time.