If it’s within reason it’s not a big deal. When Jen and I came up with our budget we had an idea of what we wanted to spend. We went a little over as well and just ate into the savings/safety chunk of the budget a little bit to make up for it. I was kicking ass on a huge project at work and was willing to take the bet that my raise would more than cover the difference, which it did. Had it not though we wouldn’t be fighting to make the payments, just not putting as much into savings as we would like.