Welcome back to another Emma's Dilemma. Today we're unpacking a curly one about what happens when we cut off one area of spending... but just spend the same amount in another area. In this episode I dive into:

• The difference between being pulled to spend on one specific area vs spending as a behaviour more generally
• An exercise to understand the unmet needs we might be responding to with spending transference
• The concept of hedonic adaptation and how we can combat it
• The PERMA model from Positive Psychology and how it can help us get more meaningful value from our money

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