How do you manage game expenses with LootBar top-ups?

A while back I was trying to figure out how to handle in-game expenses more mindfully without just charging purchases straight from my card every time. I’d heard about different balance-based options and wanted to understand if there’s a way to spread out spending or make it more predictable. Before trying anything new, I spent some time thinking about how other players plan their purchases and whether they’ve found it helps them stay on track with their gaming budget.