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So in the name of making the holiday the best one ever, we carefully avoid the truth about our financials.

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?

Before you step out the door to head off to the next great sale, you need to be honest with yourself.

If you’re going with a spouse or mate, sit down beforehand and have a heart-to-heart about your financials.

Make sure you both understand what the budget will allow for in holiday spending this year.

“Look at how much you can realistically spend,” advises Greenman.

The holidays are here, and in addition to festive time spent with family and friends, for most of us it means a small fortune spent on gifts and other non-necessities.

If that worst case scenario became reality and your monthly payments -- including your mortgage payment -- total more than 36 percent of your monthly income, you're unlikely to qualify for a loan.

However, your debt-to-income ratio can be higher, up to 40 percent, depending on what type of loan you're applying for.

“One of the biggest reasons is that women tend to be givers and pleasers by nature.

We want to buy great gifts for friends and family members.

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