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The holidays are supposed to be magical, sparkling with twinkling lights, laughter, and cozy moments by the fire. But for many families, December arrives with a sneaky sidekick: unexpected expenses that turn your well-planned budget into a jigsaw puzzle with missing pieces. Just when you think you’ve got gifts, groceries, and parties covered, the calendar flips and—bam!—there’s a bill you never saw coming. From surprise