I think instead of going out and buying things as a focus, I'd talk about doing things together like playing a board game or going for a bike ride. How being with people we love can make us feel happy and secure.
A bit like talking about how exercise makes us feel fit and healthy instead of talking about how we look.
So, if you don't already, start taking about things that you're grateful for. Like the house, your family and friends.
If you do Halloween get her to choose the nice treats to give away and ask her to think about what she'll like to give to and DC with allergies.
Give her a budget of £5 and ask her to choose some Christmas chocolates or treats to put on the Food Bank.
I'd also see if you can sort out some toys, clothes and books that's she's grown out of next weekend. You could both put on some music she likes and look forward to a hot chocolate and a film afterwards? The Charity Shops are desperate for donations of children's things right now and leading up to Christmas.
Also, if she likes eating out, can she cook? If not, maybe you could go to the library together and let her choose a Children's cookbook then select a recipe that she'd like to prepare with you?
I think the main switch she needs is not thinking of money being spent as the reward, the rewards should be time we spend with those we love doing things we enjoy 