Track your time. "Part of spending your time better is knowing exactly how you’re spending it now," writes Vanderkam, who recommends you, "write down what you're doing as often as you can and in as much detail as you think will be helpful," offering a downloadable spreadsheet to help.

Picture the perfect morning. "Ask yourself what a great morning would look like for you," suggests Vanderkam, who offers plenty of inspiration. Shawn Achor uses the early hours to write a note of appreciation. Manisha Thakor, a personal finance guru, goes in for transcendental meditation. Randeep Rekhi, who is employed full time at a financial services firm, manages his side business, an online wine store, before heading off to work.

Think through the logistics. " Map out a morning schedule. What would have to happen to make this schedule work? What time would you have to get up and (most important) what time do you need to go to bed in order to get enough sleep?"

Build the habit. "This is the most important step," writes Vanderkam before explaining how to gradually shift your schedule, noting and rewarding small wins along the way.

Tune up as necessary. "Life changes. Rituals can change, too."