Nothing beats a solid TODO list. I keep mine in a file called TODO.txt with sketches on my grid notepad. (Makes designing html pages much easier.)

When you have a solid framework (I use Perl + CGI::App) the CRUD code/modules become the easiest to code.

It's the damn interface that takes a good while (especially without a good designer.)

What I like to do is use Blueprint CSS and make my pages jQuery themeable. This gives me good fonts and padding along with a standard look when working with the jQuery UI plugins.

I can't even fathom the idea of starting a business, there is so much to do when creating a decent app that adding the business part just adds to the headache.

Another hurdle I've come across is documentation. Even writing a good description for your app can be hard.

I envy products that take only a couple of months and are able to turn a profit. I've been working on my project for over a year now and just barely getting close to a release month.