It’s a brand-new year, so naturally, everyone’s aflutter with visions of svelte waistlines, getting organized, spending more time with friends and family, and spending less/saving more. I’m not a resolution guy, but over the past few weeks, I’ve spent a great deal of time deciding what to change for this upcoming year, and figuring out how I’m actually going to do it (don’t fail me Bullet Journal!). But rather than only looking forward, I think…