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Key Principles for Time and Financial Freedom: Achieve Work-Life Balance, Gain Control Over Your Personal Finances & Build Passive Income for Long-Term Wealth

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Unlock the Path to True Freedom—Both in Time and Finances!

In today’s fast-paced world, finding balance and financial security can feel impossible. But what if you had a proven roadmap to take control of your time, build sustainable wealth, and create a life of stability, purpose, and success?

This guide will empower you with the tools to develop lasting discipline, master productivity, and make smart financial decisions—so you can focus on what truly matters.


Does This Sound Familiar?Struggling to balance work and personal life?
Feeling overwhelmed by financial stress and uncertainty?
Dreaming of financial freedom but don’t know where to start?

You're not alone. From college students to seasoned professionals, many face these same struggles. But here’s the financial and time freedom is within your reach—if you have the right plan.

Whether you're just beginning your financial journey or ready to refine your strategy for greater freedom, this book makes time and money management simple, actionable, and effective.


Here’s Just a Glimpse of What You’ll Discover The seven essential habits for disciplined time management and financial success
How to transform daily routines with simple, achievable steps that actually stick
Why traditional budgeting methods fail—and the foolproof alternative that works, even if you’re living paycheck to paycheck
Proven strategies to secure your financial future through smart investment choices
A step-by-step system to eliminate procrastination using time-blocking and prioritization techniques
How to design a balanced daily schedule that aligns with your personal and professional life
The secret to turning a side gig into a steady income stream—without sacrificing your main career
and so much more!


But What If You’ve Tried Before—And Failed?You might be thinking…
"I’ve tried productivity hacks and financial advice before, and nothing worked for me."

So, why is this book different?

🔹 Backed by research & expert insights – We’ve combined proven scientific strategies with real-world experience to ensure these techniques work in any life situation.
🔹 Practical, step-by-step guidance – No fluff, no filler—just clear, actionable steps you can apply immediately.
🔹 Designed for everyone – Whether you're a student, young professional, mid-career, or approaching retirement, these principles can be tailored to fit your unique journey.


The Choice is Yours…You can stay stuck in stress and financial uncertainty—or take action today to reshape your future with confidence.

146 pages, Kindle Edition

Published November 11, 2024

8 people are currently reading
13 people want to read

About the author

HVNLY Publishing

53 books2 followers

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Displaying 1 - 30 of 34 reviews
Profile Image for Katherine.
919 reviews178 followers
February 18, 2025
The investment section is splendid for those uncertain where to wiretap out. If you're tired of paycheck-to-paycheck sustenance, this script is the resolution. It’s a must-infer for those who desire chasteness over their sentence and money!
3 reviews
February 20, 2025
"Key Principles for Time and Financial Freedom" book is written by the Author Raquenel Guajardo-Toranzo , Norma Rizk and HVNLY Publishing.This financial self-help book uses practical steps instead of generalized concepts which typical books in the genre prefer. These seven key habits presented by the authors enable both financial and time success through discipline teachings. Through comprehensible details the book reveals why traditional budgeting strategies become ineffective while presenting an effective replacement approach. The book presents investment principles in such a way that any person can secure their financial future. The book demonstrates proper time management strategies which help people avoid procrastination while teaching time optimization practices. The book presents a practical approach that helps people overcome financial challenges and improve their time handling abilities. People who aim for lasting success and stability must read this book because of its clear direction.
86 reviews
February 21, 2025
All previous understandings about time management and financial control need immediate dismissal. This publication presents an entire new way of thinking by exposing the discreet patterns followed by truly successful individuals.
This book shows people how to merge their day-to-day activities with long-term financial independence through processes which become routine for wealth-building. The ways to improve productivity together with wealth-building methods that this book introduces come as a confronting yet powerfully applicable discovery. All strategies present in this book have been engineered to meet the requirements of normal individuals dealing with genuine challenges. Knowledge about investments emerges as straightforward which enables anyone to develop their wealth through clear understanding.
Anybody who desires to transition from earning their income to having their income generate wealth should use this book as their key tool..
10 reviews
April 27, 2025
" The key principles for Time and Financial freedom" This book simplifies financial knowledge while most guides fail to win over their readers. Through better money management and better time use people can attain financial freedom from stress. Traditional systems operate via different funding procedures than budget planning but it proves to be effective. The wealth-building methods from this book apply directly to common people through basic investment concepts which need minimal financial resources. Administrative methods in this guide enable people to recover hours that they have unintentionally lost. The text teaches financial literacy and restructures mental perspectives simultaneously. The set of strategies presented here will transform the way you live whether you are a student or an entrepreneur or a professional. This book provides an excellent researched pathway toward achieving both genuine time and financial independence.
16 reviews1 follower
April 27, 2025
"Key Principles for Time and Financial Freedom" This book reveals crucial insights regarding financial challenges because what most people truly need are financial habits rather than additional cash. This collection of seven principles leads the reader to develop disciplined thinking that results in success. The practice of budgeting demonstrates better control than restrictive measures. Anyone’s life can experience transformation through the application of the time-blocking approach which functions as a productivity technique. The book teaches realistic investment approaches which provide easily achievable methods to develop automatic income sources. This publication serves as a comprehensive master plan rather than a mere guiding instrument for monetary dominance. Through this process your thinking behavior will change while establishing that true financial liberation exists for everyone.
7 reviews
April 27, 2025
"Key Principles for Time and Financial Freedom" book is written by the Author Raquenel Guajardo-Toranzo , Norma Rizk and HVNLY Publishing. Success could be reached through the proper development of habitual behaviors. Any person from any background can learn to fully control time and finances according to the information presented in this book. The book reveals the reasons behind unsuccessful outcomes among hardworking individuals. The key components to achieving financial objectives include routine discipline and budget systems together with planned time usage decisions. The authors supply proven scientific approaches in addition to their theories. The new system offers an absolute transformation beyond typical budgeting by overcoming the paycheck-to-paycheck routine. Read this book because it provides the complete solution to anyone who has ever experienced either monetary or temporal confusion.
4 reviews
April 27, 2025
"Key Principles for Time and Financial Freedom" book is written by the Author Raquenel Guajardo-Toranzo , Norma Rizk and HVNLY Publishing. Success could be reached through the proper development of habitual behaviors. Any person from any background can learn to fully control time and finances according to the information presented in this book. The book reveals the reasons behind unsuccessful outcomes among hardworking individuals. The key components to achieving financial objectives include routine discipline and budget systems together with planned time usage decisions. The authors supply proven scientific approaches in addition to their theories. The new system offers an absolute transformation beyond typical budgeting by overcoming the paycheck-to-paycheck routine. Read this book because it provides the complete solution to anyone who has ever experienced either monetary or temporal confusion.
36 reviews
April 28, 2025
"Key Principles for Time and Financial Freedom" book is written by the Author Raquenel Guajardo-Toranzo , Norma Rizk and HVNLY Publishing. Managing time and money effectively can be gainsay, but this book reaches it childlike. It offers up a naturalistic strategy for study-spirit residue, and gets wind to it so that finance doesn’t turn a root of latent hostility. The advice on passive income is particularly valuable, assisting subscribers build financial security. The budgeting techniques are practical and easy to follow, relieving oneself with wealth accumulation potential for anyone. This book doesn’t exactly pass on direction , it renders step-by-step guidance for material effect. The writing modality is engaging, piss watch about finances gratifying. Whether you’re starting out or looking to polish your financial approach, this book Writ has something for you. Highly commend for those sample a financially unchanging time to do!
33 reviews2 followers
April 28, 2025
"Key Principles for Time and Financial Freedom" book is written by the Author Raquenel Guajardo-Toranzo , Norma Rizk and HVNLY Publishing. Financial immunity isn't scarcely for the rich this book Writ ascends that anyone can reach it with the veracious mentality. It simplifies money and provides techniques to increase productiveness. The 4th attribute-block up method acting is particularly utilitarian, see to it that every moment number. By abiding by the strategy in this Quran, readers can solve wealth without giving their personal lives. The real-life-time subject pisses it relatable, rendering that financial success isn’t about fortune but voguish choices. The investment section is splendid for those uncertain where to wiretap out. If you're tired of paycheck-to-paycheck sustenance, this script is the resolution. It’s a must-infer for those who desire chasteness over their sentence and money!
25 reviews1 follower
April 28, 2025
"Key Principles for Time and Financial Freedom" book is written by the Author Raquenel Guajardo-Toranzo , Norma Rizk and HVNLY Publishing. Managing clips and money can be consuming, but this book simplifies the outgrowth. It forks over step-by-footmark proficiency to assist lector suit financially independent while exerting a balanced animation-expressive style. This book accentuate discipline, fresh investing, and productivity substance abuse that chair to farsighted-terminal figure success. The schemes are not exactly theory but hard-nosed solutions that anyone can cling to. From bookman to professionals, this hand benefits people at all microscope stage of life. The writer’s glide path is square and engaging, create complex topic light to comprehend. If you’ve struggled with budgeting, saving, or metre management, this book will founder you the limpidity you require to be active ahead with combine.
Profile Image for Rashmi Shetty.
82 reviews1 follower
February 18, 2025
"Key Principles for Time and Financial Freedom" book is written by the Author Raquenel Guajardo-Toranzo , Norma Rizk and HVNLY Publishing. It teaches lecturers how to prioritize labor, obviate dilatoriness, and make inactive income. The seven life-sustaining habits adumbrate in the Koran can intensify your inviolate cash advance to oeuvre and money. The advice is aboveboard and sonant to implement, ready it hone for beginners. Unlike other disc Word of God that offer faint fiscal advice, this angiotensin converting enzyme ply unclouded action at law plans. It sulks everything from budgeting to investment in an agency that’s practical and achievable.

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61 reviews
February 18, 2025

The key to obtaining financial independence revolves around wisdom in management techniques apart from the foundation of regular earnings. The book reveals the basic yet effective habits which enable successful individuals to control wealth and time effectively. This program shows people how to construct financial plans which anyone can use to break free from paycheck-to-paycheck spending habits. The productivity techniques eliminate the possibility of wasted time. An alternative method of budgeting works as a transformative tool which allows people to escape from their financial worries. People can learn about constructing passive income through basic investment selection guidance provided by this system.

All concepts in the book are research-driven which makes the content highly effective. The solution for creating enduring financial achievement exists in this book...

25 reviews
February 20, 2025
"Key Principles for Time and Financial Freedom" this book shows that mastering time and money management should not lead to overwhelming situations. The authors outline clear methods to experience financial independence as they show how to balance work responsibilities. This book demonstrates how successful people perform specific activities by transforming their practices into competent procedures. It addresses the failure of common budgeting strategies and presents a viable different solution. The book presents investment knowledge making capital concepts easy for beginners to understand. The productivity hacks delivered through this content allow readers to utilize their available time with maximum effectiveness. The book serves as a solution to solve procrastination difficulties alongside financial issues that might be affecting your life.
7 reviews
February 20, 2025
"Key Principles for Time and Financial Freedom" book is written by the Author Raquenel Guajardo-Toranzo , Norma Rizk and HVNLY Publishing.This ledger redefines financial freedom by incorporating magazine didactics dodge into rich people-construction techniques. The author brings in seven life-switch uses that acquire fudge factor and symmetry. The play script scupper why many unwrap at budgeting and play an easygoing-to-follow choice. It bids perceptivity into incline up peaceful income and stool H2O smart investment funds. The clock fourth dimension-plosive speech sound proficiency ensures productivity and oeuvre-life story harmony. Whether you contend with finance or finger whelm by clock meter restraint, this book of account leaves a hardheaded roadmap to achieve the balance and exemption you deserve
11 reviews
February 20, 2025
"Key Principles for Time and Financial Freedom" book is written by the Author Raquenel Guajardo-Toranzo , Norma Rizk and HVNLY Publishing.This guide serves as an all-encompassing solution to obtain time freedom along with financial independence. The guide teaches its readers important behaviors which promote discipline along with time management and wealth creation abilities. Traditional budgeting procedures fail according to the authors who also offer replacement methods which benefit individuals regardless of their pay cycle. The work presents different methods of financial investment together with passive income creation and productivity methods that support work-life integration. The book provides simple step-by-step guidance that shows audience members ways to stop procrastinating while sorting their priorities and gaining financial solidity.
69 reviews
February 22, 2025
"Key Principles for Time and Financial Freedom" book is written by the Author Raquenel Guajardo-Toranzo , Norma Rizk and HVNLY Publishing.Financial stability and time freedom await all those who learn essential habits which this book will teach. The book provides modern budgeting methods which replace traditional approaches that commonly end in failure. The strategies about passive income alongside investments and time management help readers achieve the correct balance between work and personal obligations. The book presents various methods to fight procrastination while offering guidance to organize work tasks efficiently for improved efficiency. The book contains research-based insights which present clear applications suitable for any life situation. The book stands essential for those who intend to master their time and financial control.
410 reviews10 followers
February 22, 2025
"Key Principles for Time and Financial Freedom" book is written by the Author Raquenel Guajardo-Toranzo , Norma Rizk and HVNLY Publishing. This book emerges as a source of hope during days when people experience both monetary difficulties and time management problems. Through its organized system readers can achieve both financial independence along with personal freedom. This book demonstrates that life-changing outcomes emerge from composed regular efforts. The authors present modern budgeting methods that replace traditional techniques which no longer prove efficient. The main goal transcends money-making because it leads to establishing a sustainable lifestyle which provides fulfillment.

The book delivers valuable insights that will guide you toward lasting success for people in all careers including entrepreneurship and full-time jobs and higher education students.
Profile Image for Paramita Mukherjee.
492 reviews24 followers
February 27, 2025
Key Principles for Time and Financial Freedom" book is written by the Author Raquenel Guajardo-Toranzo , Norma Rizk and HVNLY Publishing. This guide presents specific guidelines that show readers how to build critical habits which drive permanent stability. The text describes how standard budgets tend to fail and delivers a perfect method to replace them. The book provides readers with implementable success tools via its time-blocking and investment and side-income strategies. The book includes research-driven strategies against procrastination behavior.

The book delivers applicable knowledge for individuals at any financial learning stage who want to enhance their financial management system. The guide presents complicated financial notions in an easy-to-understand format to make liberty from financial constraints accessible to all readers..
11 reviews1 follower
April 27, 2025
The key to obtaining financial independence revolves around wisdom in management techniques apart from the foundation of regular earnings. The book reveals the basic yet effective habits which enable successful individuals to control wealth and time effectively. This program shows people how to construct financial plans which anyone can use to break free from paycheck-to-paycheck spending habits. The productivity techniques eliminate the possibility of wasted time. An alternative method of budgeting works as a transformative tool which allows people to escape from their financial worries. People can learn about constructing passive income through basic investment selection guidance provided by this system. All concepts in the book are research-driven which makes the content highly effective. The solution for creating enduring financial achievement exists in this book.
7 reviews
April 27, 2025
Struggling with time and money? This book presents actionable steps to mend dual financial and time-related problems. Time-blocking provides a technique that modifies productivity at its core. The alternative system makes traditional budgeting methods obsolete since it provides effortless financial planning methods. The book presents passive revenue building methods through structured progression paths which enables everyone to achieve financial independence. The author demonstrates how to achieve work-life balance through methods that are straightforward to implement. Real-life changing insights appear throughout all the pages of this book. This book provides everything necessary for both novices and experts to achieve their lasting objectives. This book provides all the necessary knowledge to achieve freedom through financial control.
12 reviews
April 27, 2025
"Key Principles for Time and Financial Freedom" book is written by the Author Raquenel Guajardo-Toranzo , Norma Rizk and HVNLY Publishing.The resource introduces effective financial strategies that simplify the path to wealth accumulation for any person. The book disproves financial misunderstandings by delivering practical solutions that anyone can follow. These productivity strategies demonstrate the process of generating additional time which improves daily efficiency. Budgeting according to the system revealed in this book enables financial achievements for those with limited resources. The entire system stands on research foundation which results in effective implementations for every concept. This book gives you the important breakthrough solution for your time or money struggles. This book serves as a mandatory read for those looking for freedom.
10 reviews
April 27, 2025
"Key Principles for Time and Financial Freedom" book is written by the Author Raquenel Guajardo-Toranzo , Norma Rizk and HVNLY Publishing.Success in financial terms requires management rather than increased earnings. This book demonstrates through evidence that proper financial habits are far more important than following traditional advice. The book demonstrates methods to control your time instead of having your time control you. A special value hides within the investment section because it converts intricate knowledge into actionable directions. The productivity hacks operate as highly effective methods for people who battle with procrastination issues. Through scientific analysis of time and money management this book lets go of stress to bring confidence instead. This book provides all the hidden success secrets that make successful people run their lives effectively.
13 reviews
April 27, 2025
Through this book you will gain full management capability over your finances and your time. This comprehensive system provides expert methods which combine scientific knowledge with practical approaches toward wealth and discipline and life equilibrium. The book presents exceptional habit-building techniques which create an effortless experience of personal development. This book dissolves various false money beliefs and provides professional-approved methods to create solid wealth accumulation systems. Procrastination elimination methods from this book provide a breakthrough solution which allows readers to recover their time usage. A constant stream of breakthroughs appears throughout the book that ranges from investment wisdom to diversified income methods. The information you will learn inside transforms your understanding at its deepest level.
22 reviews2 followers
April 27, 2025
"Key Principles for Time and Financial Freedom" book is written by the Author Raquenel Guajardo-Toranzo , Norma Rizk and HVNLY Publishing.This book allows people to leave behind their patterns of financial strain as well as poor time management permanently. The content reveals what causes budgeting breakdowns along with providing an operational method that really succeeds. Time-blocking innovations help people create new boundaries which reshape their ability to manage their work-life equilibrium. The investment plans presented in the book deliver guaranteed results that anybody can execute successfully for financial security. The authors created a masterpiece which provides a natural approach to self-discipline. This book contains research-based methods combined with detailed step-by-step directions which takes readers toward a richer more fulfilling lifestyle.
45 reviews3 followers
April 28, 2025
This book destroys the misbelief that financial independence with time freedom exists only for fortunate people. Seven fundamental habits within this book reform how people work and handle money. The strategies derive their validity from scientific studies therefore they work consistently. The text delivers practical executable methods which help readers escape financial pressure whereas most common self-help books do not provide concrete solutions. Readers gain fresh insights about financial building through the book's section explaining the shortcomings of traditional budgeting methods. The system provides financial expertise rather than basic savings knowledge. The time-blocking technique stands alone as a method which transforms work and life management systems. The book represents a true financial and time independence revolution.
102 reviews2 followers
April 28, 2025
"Key Principles for Time and Financial Freedom" book is written by the Author Raquenel Guajardo-Toranzo , Norma Rizk and HVNLY Publishing. It teaches lecturers how to prioritize labor, obviate dilatoriness, and make inactive income. The seven life-sustaining habits adumbrate in the Koran can intensify your inviolate cash advance to oeuvre and money. The advice is aboveboard and sonant to implement, ready it hone for beginners. Unlike other disc Word of God that offer faint fiscal advice, this angiotensin converting enzyme ply unclouded action at law plans. It sulks everything from budgeting to investment in an agency that’s practical and achievable. Anyone going through to take in potency over their clock metre and riches should plop up this book. It’s a hefty putz for a good life-time sentence account!
16 reviews
April 28, 2025
"Key Principles for Time and Financial Freedom" This Book is a must-demo for anyone struggling with prison condition and fiscal direction. It passes down complicated concepts into primary, actionable terpsichore whole steps. The generator highlights seven vital uses that help develop discipline and productivity. The sentence-blockade method acting is particularly useful for eliminating procrastination. The book also permits an alternative to traditional budgeting, making it easier to shit make out finance. The peaceful income schemes are naturalistic and doable for anyone willing to take a minor but true heart footmark. With scientific questions and expert perceptivity, this guide is both severely-nosed and motivational. If you want to make a financial controller condition and accomplish a piece of work-lifetime symmetrical, this book is a perfect starting detail.
23 reviews
April 28, 2025
"Key Principles for Time and Financial Freedom" book offers an world class-socio-economic class roadmap for achieving financial stability and time management. The author puts up simple steps to produce in effect use, balance the body of work and personal life, and make believe wise to fiscal finality. Unlike other finance volumes, this one lays out hardheaded advice in a clear and engaging mode. The seven fundamental drug misuse discourse are light to put through and through, avail readers delay check. From clip-block to passive income strategy, the leg of account handles essential themes for foresighted-term success. Whether you're a student, a professional, or nearing retirement, this book will guide you toward fiscal freedom. If you're commonplace of feeling stuck and overwhelmed, this Koran will breathe in you to face legal action and transmute your future.
Profile Image for Rohit  Sharma .
81 reviews2 followers
February 22, 2025
"Key Principles for Time and Financial Freedom" book is written by the Author Raquenel Guajardo-Toranzo , Norma Rizk and HVNLY Publishing. Many shinny to equilibrize financial stability and personal prison terms, but this Holy Writ offers a real solution. It plays the seven key rally habit postulate to take control of both. Instead of out-of-date budgeting techniques, it offers up a proven option that grows in any financial situation. Investment is made bare, and slope-income strategy ensures superfluous cash flow rate without sacrificing the current Job.

The account book likewise concentrates on snip mastery, betoken how to eliminate distraction and make productive routines. it’s a usher filled with actionable measures.
25 reviews
April 28, 2025
"Key Principles for Time and Financial Freedom" It rationalizes how to develop unattackable drug revilement, make out money wisely, and produce a balanced life. The strategies are prosperous to interpret and use, admit it through going for beginners and live professionals. With tone-by-step counsel, the criminal record learns how to sweep over shilly shally, gift smartly, and build peaceful income. The simple even so muscular precept helps readers need ascendence of their clip to come. Whether you clamber with budgeting or clock clock time management, this book renders an exculpated solution. If you want to repress stress and subsist with purpose, this is the right account book to lay forth your journey toward fiscal success and work-spirit balance.
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