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Saying yes to spur-of-the-moment spending gets a little more complicated when you factor in a tough economy, however. "Through the recession and a few subsequent years, the level of money anxiety was high and that corresponds with certain behaviors. Namely, the majority of people didn't buy a new car or go on a family vacation, or buy new appliances," says Dan Geller, behavioral economist and author of the "Money Anxiety Book."

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