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Which three time-allocation changes could increase my productivity the most. Why?

Which three time-allocation changes could increase my productivity the most. And why? This means, what three things can I change that would increase my productivity. And why? For me chores and school is my productivity. The first thing that I could change is getting up earlier. Why? I read till 11:00PM every night so I …

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Why shouldn’t I borrow to buy something that depreciates?

‘Why shouldn’t I borrow to buy something that depreciates? According to the Cambridge Dictionary depreciate means “to (cause something to) lose value, especially over time”. Lets say that you want to buy a house that is $60,000 and you don’t have enough money, well you could probably borrow some money from your parents (they would …

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