““problems, your challenges, your obstacles, your goals, and your ideas in writing. Make small lists such as a: To-do list. Everything you need to do, big and small. To-call list. Everyone you need to call, major and minor. To-get over list. Baggage in your life, empty and full. To-resolve list. Things that need decision or resolution. To-pay list. All matters of money you think about, paid and unpaid.””