I know what you mean.
As for us, both DW and I carry $300 each every month (mvelopes) to spend on whatever. We try to stick to this budget. We do it this way to avoid using debit or credit card regularly. So far it has worked well. We both set on daily limits to curtail 'wild' spending. But on short trips like SF or Monterey for a day or weekends, we have another account that we access (Vacation Fund) that pays for all the foods, gifts, tickets, overnight stay etc. Whatever we don't use, it goes back to the account.
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