I keep a couple benjamins in my tool box for that "can't pass up" deal. The way we manage our fun money is by using spending cards in separate accounts. They are debit cards but you preload them. So you just move money from the main account to the cards as it becomes available each month and voila! No arguing. If you don't have it you don't spend it. If you want it you save for it. Admittedly, I get more $$$ than my wife but our hobby is not cheap. I also woke up and realized after 5 years of marriage and her handling the money that I would never have any extra so I took charge. She appreciates not having to mess with bills and I appreciate having a little lattitude.