The new year is fast approaching — yet most of us don’t start thinking about 2019 goals until after Christmas dinner. Our advice? Start now. Sit down and prepare a list of important lifestyle changes you want to make in 2019. Then make a plan to achieve them. Here are the tips and tools we’re using, so you can do the same.Reflect and grow. Before you can set goals for a new year, a little journaling and reflection on the current year goes a long way. Set aside time to reflect on the areas of your life — from relationships, to health, to career, to finances — and notice areas you’re