What is the ruling on creating schedules to organize time in Ramadan and competing to write them, and is this considered an innovation (bid'ah) or a form of self-accountability?

There is nothing wrong with creating time management schedules in Ramadan and competing to write them, nor is it considered an innovation (bid'ah). This is because it helps in utilizing time effectively and not wasting it. Bid'ah is the creation of an invented method in religion that rivals the Sharia, and time management is not among them.