Yes, all of that. I do have to decide on "How often" & stick to it as this can be addictive. I have splurged but it can not be routine.
I have "rounded up" my pocket money needs which I set aside from my check. I have a couple of checkbook covers in my dresser... (They're not hidden). One I accumulate surplus in until needed for a session (large paper clip on it). The other is current spending money excess which I choose not to carry daily, refilling the wallet as needed. Besides what I set asside when I get the check, when the new check arrives, I move any left over to the hobby side. I have had to go into the hobby stash for unexpected expenses. I hurts momentarily but it's the right thing to do. skb
My normal routine to put aside $20. a week plus any unexpected cash windfalls. If I loan someone a few bucks for lunch and they pay me back it goes to the fund. If I win a bet it goes to the fund. If I pay a credit card when I go out for a few beers with a friend and he pays me in cash, it goes to the fund.
I was freshly divorced - legal and other bills needed my attention and I hobbied based upon coins that I saved every day - when I reached a proscribed $ I would supplement and make an appointment - easy- and found that once a month I could afford - easily.
then with more funds, I found that the rate limiter was time... still is that way, and now, it really is time... when... and having to catch as catch can...
that I set aside specifically for the ladies. I've never had to go without anything else just to see a lady, but I've never used funds that I hadn't saved either. I'm not a once a week kind of guy, so saving a little at a time has worked very well for me.
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