I had my list of schools "finalized" a year ago too, and now there are only two of the original schools on the list, with five new additions. A lot can change in a year as your interests and level of knowledge about the schools develop.
I started thinking a lot about applications in October and sent out recommendation requests and transcript orders, but I didn't really start to work on them until November, which is when I finalized my list at last. My due dates range from Dec. 15 to Mar. 1, and so far one's in on time, three are in early, and three have yet to be done. It's going to be a push finishing the statement of purpose for one of them over Christmas (it's a different kind of program than the others, so I can't reuse), but other than that nothing's last minute and I've had plenty of time.