Detailed Spending Analysis - Last 90 Days:

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

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

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)

Total Monthly Savings Potential: ₹9,624-10,500 without major lifestyle changes