Proper financial planning, such as saving, investing, preparing for retirement can help you live a more prosperous and happy life.
The more money work to you, the less time you spend working to earn money.
I just try not to spend the time on the things that seem to be useless or that kill my health. I am planning everything beforehand, which is also important.
How I manage my time and money? I don't really pressure myself because I dont want to spend my money and time by not enjoying every single moment of my life. I don't want to compromise my happiness just by managing every decisions that I'll be making. For me, so long as I did my best and at the same I'm enjoying it, that's the very most important.