Getting it out of your head

One trusted place.

Capture

Anything held in memory consumes attention. Write commitments into one system you actually check, so nothing depends on remembering at the right moment.

Capture fast and sort later; separating the two keeps both honest.
Several half-used systems is worse than one imperfect one.

Next actions

An entry such as budget is not actionable. Write the physical next step, since vagueness is the main reason items sit untouched for weeks.