I do it differently. I have a separate budget for toys. All of our household income is one account and pays all the bills and family needs and activities.

My toy account is money from anything I sell that was previously purchased with this money plus any personal gifts I receive or any side jobs I do. Also things like car parts or snowmobile items that I personally owned before we were married.

It doesn't leave me large amounts of money to spend but it's money I can spend as I please without worry. Occasionally I will buy my wife a new phone or a household item such as a riding lawnmower out of this fund. Helps keep the peace while I am buying and selling items.

If one of us were ever in need games or toys would certainly be sold to cover more important expenses.

Using this method I am able to buy toys while the household budget still has debt such as a house or car payment. Some would say it would be smart to sell the games and pay off debt but my ability to freely buy and sell also adds value to our overall net worth.

Beyond that, you only live once. I would rather have beer, pizza and pinball for 70 years than misery and boredom for 80 years.