Are there periods in your life where your spending habit changes? Are there ways to manage such transitions and should I worry?

I really like this question! I think it goes without saying that spending habits generally increase very very significantly when one graduates from school and transitions into a full working adult. But now that you mention it, I think I tend to spend a lot more at the end of the year. It's also quite a proven trend amongst the Seedly community and my colleagues haha!

I believe that this rise in spending is partly due to the festivities, and also the fact that you tell yourself you've worked hard all year and it's time to reward yourself. You reward yourself until the new year comes around then you snap back into it and realise how much money is gone and you try to go back to your frugal ways. I admit, that's me every year! Thankfully, my Seedly expense tracking app reminds me how much money I could have NOT spent instead...

I usually spend a couple of minutes at the start of the month listing out what are some major payments/purchases I would have to make for the month and how I can improve from the past month, be it drinking one less cup of coffee a day or choosing a house brand when grocery shopping each week.

Some things I won't scrimp and save on la....enjoy life a bit more I guess! :-)

One of them is definitely how I treat my fitness.

It used to be soccer at void decks, or volleyball in school.

Now whenever we meet for sports, we have to pay for courts, and coordinate timings. Otherwise, we would also be spending on gym.

Fitness used to be cheap, now it's rather expensive!