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Tis’ the season for family, friends, food, and fun. Unfortunately the holidays are also a time for extra expenses and very often for overspending as well. Many people start the holidays out with the best of intentions when it comes to their finances. Perhaps you even began with a budget or spending limit to make sure you did not overextend yourself once again this year. However, before you give into the pressure and start making excuses to spend money you cannot afford to spend, consider the following.