The end of the year is a busy time for any middle-class family. There’s preparing for the holidays, protecting your kids against the seasonal crud, and gearing up for the financial challenges and opportunities of the new year. But getting everything in order financially can feel like just another stressor — especially if you’re not sure where to start. A simple checklist can help. After all, you use lists to manage everything else in your household, from grocery shopping to chores to getting everyone to ...