Do you live by your to-do list, or are you willing to change plans? Source: Carrie Knowles I take aqua-fit classes five days a week, every week, without fail. This allows me to pretend I’m retired.

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 ...