LITTLE ROCK, Ark. (KTHV) -- The countdown to New Year's Eve has startedwhich means there's less than a month left to make some final financial moves in 2012.

Here's your step-by-step guide from Yahoo! Finance.

1. Give yourself a career upgrade - Take some time to reflect on your job for the past year. If you aren't where you want to be, then rethink your career. Or find a side job where you can use your skills.

2. Track spending - The end of the year is the best time to overlook your spending for the year. This is a great way to budget for next year.

3. Save up - If you have some big ideas for next year that will require some spending money, start saving now. If you haven't maxed out your retirement savings for the year ($17,000 for a 401(k), or $22,500 if you're 50 or older), you have until April 15, 2013.

4. Lower your fees - Expenses can take a big chunk out of your investment return, but fees vary. Think tank RAND calculates that even just 1 percentage-point difference in annual fees adds up to $3,380 after 10 years on a $20,000 account balance. Index funds often offer lower fees, which means investors can keep more of their money.

5. Make a plan to conquer big goals - Take small steps instead of big ones. Big leaps can be overwhelming and you may feel doomed to fail. Start small with some behavior changes like bringing your lunch to work to save some money.

6. Coordinate with your partner - One of the biggest money mistakes is not talking about it. Agreeing on common goals makes it easier to save.

7. Automate savings - Many banks make it easy to sign up to automatically deposit savings into your account every month. You may even be rewarded for it.

8. Revamp your passwords - Help protect your money with new, improved passwords. A couple rules: avoid words you'd find in the dictionary, use a mix of numbers and letters, and create long passwords. Also change your passwords every few months.

9. Up your insurance policies if necessary - Take this time to review your current insurance policies to see if there are any changes to be made.

10. Empty out flex-spending accounts - Many flex spending accounts comes with a "use it or lose it" policy. That means if you set money aside, now is the time to gather those receipts and file for reimbursement.

11. Give generously - You still have time to donate and deduct in 2012. Websites such as can make it easy to research nonprofits before writing a check.

(Source: Yahoo! Finance)

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