I find it is much easier/safer to aim to go over by small amounts [e.g. I went $34 over, I aimed for $50 over] and avoid that. I can afford to give them a $50 i

I find it is much easier/safer to aim to go over by small amounts [e.g. I went $34 over, I aimed for $50 over] and avoid that. I can afford to give them a $50 interest free loan, and if they seize it, I'm not going to care too much.