In my opinion, it would be better to put a temporary hold on your plan during the holidays, give her some cash to get her gratification on and then start again in the new year. That way she is feeling like she can enjoy the holidays and isn't trying to get you into more debt to do it.I would give it a month of rest, let her go on a shopping spree for Christmas and get it out of her system. In the long run, you are only adding a couple of months to your plan.
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