I’m very new to Emma so have only looked at one report
I was asked what happened on Wednesday (a large bill came out, so basically nothing happened on Wednesday) and was told my spending is in the top 10% of users (on my income, I doubt this very much, but other that doubt I have two thoughts 1) I need to exclude the iPad and iPhone from metrics as they were a gift and 2) it honestly doesn’t matter to me if my spending is higher than average because I’m effectively retired (I’m not going to live to 80 so no worries there and I can’t work) and because don’t have to worry about rent or mortgage either.
I spent £86 (according to the app and £146 if you include the money I paid into our joint account for all family bills and groceries, and some of that was subscriptions etc) last week and my income is about £300 per week, so I don’t consider that high. At all. I certainly don’t consider it problematic behaviour. I do collect records and he-man action toys but if I don’t do it now, I never will. £8 was for Readly, which has halved my spending on magazines.
As I say, I’m effectively retired now, so no old age to save for and no housing costs. I don’t smoke. I can’t drink. I don’t really go out. I haven’t been on holiday in years. I don’t have Sky or anything. I don’t have kids.
Basically I felt a bit got at, and don’t think I did anything to merit that, and I certainly don’t believe my spending is far higher than 90% of the population. Sorry