Wow, where has the time gone?  I didn’t accomplish anything today!  You, friends, family members and I verbalized these statements frequently.  Are you the individual who procrastinate to complete tasks?  Would you rather surf the web and lay on the couch all day?  Well, if you are,  then it is time for a change.  It is time for you to stop wasting your TIME.  As a newly single mom and working full time, my time is valuable and I have to ensure that I use it to the maximum extent possible.  This is what you should want for yourself!  Time is like a commodity, when it is gone, there is…