Australian Finance Podcast Emma Edwards’ 5 Rules for Spending Right in 2026
Nov 12, 2025
Emma Edwards, a financial behavior expert and author of 'The Wardrobe Project,' shares her insights on smart spending. She discusses how to identify personal spending values through past purchases. Edwards explains triggers that lead to unhelpful buying decisions and presents her ultimate rule for avoiding unnecessary purchases. She introduces the ins and outs budgeting method to enjoy discretionary spending without overspending. Finally, she suggests a frugal reset week to recalibrate financial habits and boost discretionary funds.
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Identify Your Spending Values
- Work out your money values by listing three of your best purchases and highlighting common feelings they produced.
- Use those revealed values to shape budgets and spending decisions so money supports what matters to you.
Spending Reveals Values And Anti-Values
- Spending reflects values and shapes life satisfaction; knowing values clarifies financial choices.
- Regret purchases reveal 'anti-values' you can avoid in future decisions.
Personal Example: Spending For Ease
- Emma values calm, ease and convenience so she happily pays for parking and hotel nights.
- She avoids festivals and adventure travel because those do not match her spending values.
