Headings and subheadings visually represent how information is organized in a paper as well as succinctly tell the reader what is in each section.
Source: Meghan, Wiki
This video explains how to use headings in a paper as well as how to modify MS Word's out-of-the-box styles for each heading.
If you don't use MS Word, you can still use the same principles discussed to manually create headings and subheadings.
What's considered appropriate language for headings and subheadings depends on the particular style you're using for the paper as well as the instructions given with the assignment. Always defer to the instructions.
However, if possible, it always helps the reader to have a bit more description with headings. As previously stated, headings and especially subheadings are kind of a roadmap for readers: they know what's coming but not exactly how you're going to phrase it (that's the job of the content). Here's an example of how simple headings can be expanded upon in a simple way to give readers more of a head's up:

This kind of grouping of information (or "chunking") is helpful to guide the reader. Always try to use consistent terminology to avoid perceived discrepancies as well. But above all, the best strategy to use when creating headings and subheadings is the simplest: Keep it simple!
Source: Meghan
Now try turning the subheading into questions. For instance,for subheading 2 you might ask, 'why should i assess my habits? or How should i assess my habit? write a question for subheading 4 below.
if the heading is Using Time Effectively what would be the subheading and what would be the third subheading
"Great. Short and sweet, but academically right on."
"Well done! The video is very informative as is the text. Like how it's broken up into key areas."