Forbes contributors publish independent expert analyses and insights. Melissa Houston covers financial issues that affect women in business. Creating a successful business starts with a strong plan.

Matt Webber is an experienced personal finance writer, researcher, and editor. He has published widely on personal finance, marketing, and the impact of technology on contemporary arts and culture.

How you approach or create your to-do list can make a big difference. Experts weigh in on how to write — and tackle — a to-do list to make it best work for you. As we head into the new year, maybe you ...