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After all, if we don’t know for certain that we’re going way over the family budget, then what’s stopping us from spending a little more on the kids’ presents or buying that new dress for the office party?However, presenting a healthy credit package that won't make the underwriter nervous is a matter of balancing the big picture.Having several credit cards that you don't use can give you a sense of security.Did you internally justify going over budget because, “Heck, it’s the holidays! If you answered yes, yes, yes and (embarrassed blush) yes, your brain has been hijacked by the psychology of overspending.“This is a very difficult time of the year to stick to a budget and the reasons why are numerous and complex,” says Leslie Greenman, a financial advisor and author of the new book .

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