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I use envelopes, I try to put aside 2 dollars for every day I work or at least a dollar a day, that ends up with some 30 dollars at the end of the month for which one could use toward equipment or track. Depending on how much more than 30 dollars something costs guides my purchases. If it is too much more, I can simply wait another month or be impulsive. As for the garden budget for the outdoor layout. I try to spend no more than 15 dollars on landscaping a week. You see I have to "terraform" by back yard and bring in soil of a better quality if I intend to grow my chili pepper plants and other perennials to a degree that will make them prosper. I also try to save twice the amount for the item I need. If I am saving for a 30 dollar item (like a boxcar) then I try to have near 60 dollars. That insures that I never have to work from zero. This is all maddness, I know, but it has been effective. It is based on patience, hence it is a virtue each of us can subscribe to at will (or won't)
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