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| Detailed Spending Analysis - Last 90 Days: |
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| Recurring Subscriptions (Monthly): |
| - Netflix: ₹649 (Premium plan) |
| - Spotify: ₹119 (Premium) |
| - Cult.fit: ₹1,799 (Gym membership) |
| - Adobe Creative Cloud: ₹1,675 (last used 45 days ago) |
| - The Hindu: ₹299 (Digital subscription) |
| - Zomato Gold: ₹149 |
| - Swiggy One: ₹299 (3-month plan, ₹99/month avg) |
| Total Subscriptions: ₹4,989/month |
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| Spending Patterns: |
| - Coffee shops (Starbucks/Blue Tokai): ₹3,450/month avg (23 visits/month, avg ₹150/visit) |
| - Lunch out: ₹5,400/month avg (12 workdays/month, avg ₹450/meal) |
| - Impulse shopping (under ₹500): ₹2,800/month avg |
| - Unused gym visits: Last check-in 38 days ago |
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| Potential Savings Opportunities: |
| 1. Adobe Creative Cloud: ₹1,675/month (unused) |
| 2. Coffee: ₹2,300/month (reduce to 2x/week saves 60%) |
| 3. Meal prep vs lunch out: ₹3,600/month (pack 8/12 lunches) |
| 4. Gym membership: ₹1,799/month (not using, or switch to local gym ₹800/month) |
| 5. Zomato Gold + Swiggy One: ₹250/month (keep only one) |
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| Total Monthly Savings Potential: ₹9,624-10,500 without major lifestyle changes |
