A system for providing spending recommendations to a user. The system may include at least one memory unit storing instructions and at least one processor configured to execute the instructions to perform operations. The operations may include receiving first user shopping data based on a plurality of user shopping purchases over a first time period; determining, based on a statistical model, at least one of a temporal or a geographic trigger of the user shopping purchases; displaying a message to the user indicating the trigger; adding a rule to the statistical model based on user input; and displaying a f personalized spending recommendation, based on the rule.