Happy Sunday financial hotties,

This year we’re absolutely avoiding the “make a wish-list” advice that normally does the rounds for Black Friday. I’m cutting to the chase: you’re smart, you have money, and you know how to spend it well.

But sometimes, these things don’t matter. The financially literate, logical voice in our head gets overridden. Our environments never stay consistent. And most importantly, our ambition can cloud our judgement.

This issue is a breakdown of how your surroundings influence your spending without you realising, and how you can use that to your advantage this week.