It’s time to close out 2012. With the New Year just around the corner, you may find yourself boxing up the last of the holiday décor, cleaning out closets and drawers, and putting a finale on the end of the year. But one year end chore often overlooked is reviewing your current financial state – a task often put on the back burner or not addressed at all. Forbes recently published an end of year checklist to make sure you head in to 2013 on a positive note. The list may not include all you personally need to review but can get you started in the right direction. Happy New Year!