Top New Mexico Online Casinos - Leading NM Real Money Casino Sites

New Mexico Online Casinos Reviewed in Ranked Order

The ten write-ups below follow the ranking supplied for this page, from first to tenth. Each one leads with what matters most to a player in this state: what the welcome offer requires, what we can and cannot confirm, and who the site suits. A ranking is an editorial position, not proof of measured superiority, and commission may be earned when readers use the links on this page.

A note on the tables. Our data for these brands covers the headline offers and editorial ratings only. Where a launch year, game count, payout time, wagering multiple, minimum deposit or provider list is not confirmed, the table says Not verified rather than guessing. Check each site's own terms before you deposit.

Real money is at risk at every site here. Nothing below predicts or promises winnings, and no bonus removes the risk of losing your deposit.

1. Raging Bull

Raging Bull holds the top editorial rating of 10.0 and the largest headline match on the list: 410% up to $10,000, plus 50 free spins. For a slots-led player who wants a big bonus pool, that scale is the draw. It is also the offer where terms matter most. A match this size usually comes with a playthrough multiple, a game weighting table, a maximum bet while the bonus is active and a cap on what free spin winnings can convert to. We have not verified those figures for this offer.

Practical advice: decide your deposit first, then work out the playthrough on the stated terms. A $100 deposit at 410% would produce $410 in bonus funds, which is a very different wagering load from a $2,000 deposit. You can opt for a smaller deposit and still qualify for a percentage match, which keeps the playthrough manageable.

Pros

• Highest editorial rating on the page
• Match bonus of 410% with a $10,000 ceiling gives wide scope for different deposit sizes
• 50 free spins included with the welcome package
• Suits slots-focused players

Cons

• Wagering, game weighting and cashout cap details are not confirmed in our data
• A large match can encourage bigger deposits than planned, so set a budget first
• Licensing details and payout speed are unverified

2. Magician Bet

Magician Bet earns second place largely on one point: its 101% offer is described as having no wagering. For bonus-hunters who read terms closely, that is the most relevant feature in this comparison. With a conventional match, bonus funds are locked behind a playthrough; with a no-wagering structure, the usual obstacle is removed. That does not mean the offer is unrestricted. Maximum bonus size, eligible deposit, expiry, cashout caps and country eligibility can still apply, and we have not confirmed them.

The 101% match is modest beside the headline percentages elsewhere, but a smaller bonus without playthrough can be worth more in practice. Consider $100 deposited: a 101% match adds $101. With no wagering, the terms that remain decide how that $101 behaves, so read them before claiming.

Pros

• No-wagering welcome offer simplifies the terms
• Straightforward 101% match is easy to calculate
• A good fit for players who dislike playthrough math

Cons

• Smaller headline match than several rivals
• Other restrictions such as caps and expiry are not confirmed
• Game library, licensing and payout speed are unverified

3. Slots of Vegas

Slots of Vegas pairs a 375% bonus with 50 free spins on Cash Chaser. Naming a specific game matters, because free spins tied to one title limit your choice but make the value easier to judge. Cash Chaser is the game the spins are attached to, so check the spin value, how winnings are treated, and whether they carry their own playthrough.

This suits players who already enjoy online slots and want spins on a named game rather than a choice across a catalogue. The match percentage is large, which means the bonus portion, and therefore the wagering load, scales quickly with your deposit. We have not confirmed the multiple, the eligible games beyond the spins, or withdrawal limits.

Pros

• 375% match plus free spins on a named slot
• Clear, slot-focused welcome package
• Free spins on a known title are easy to evaluate

Cons

• Spins are limited to one game
• Playthrough and cashout cap not confirmed in our data
• Table game and live dealer coverage not verified

4. Uptown Aces

Uptown Aces leads with a 600% offer for new players, the biggest percentage on the page. A percentage alone says little: the maximum bonus, the minimum qualifying deposit and the wagering multiple determine what you actually receive. A 600% match on a small deposit can look generous but may carry a playthrough that is hard to clear on a short session.

Our evidence does not include a cap, games list or payout data. For that reason we rank it on the strength of the supplied rating and offer, and we flag the gap. If you are comparing it with Raging Bull, look at the maximum bonus and the wagering side by side rather than the percentage.

Pros

• Highest match percentage among the ten offers
• Offer is aimed at new players
• Strong editorial rating of 9.7

Cons

• Maximum bonus and wagering terms are not confirmed
• High percentages can mean large playthrough totals
• Payment methods and payout speed unverified

5. Card Crush

Card Crush is different from the match-bonus sites above. Its offer is an instant welcome reward of 2 mystery coins and 5 cards, which points to a coin-and-collectible style of promotion rather than a deposit match. Nothing in the supplied data says whether it is a sweepstakes platform, a real-money casino or a hybrid, so confirm how the coins work and whether any can be redeemed for prizes before you buy or play.

It may suit casual players who like reward mechanics and instant perks over wagering math. It is a weaker fit if your priority is a dollar cashout or a large match, because we cannot confirm what the mystery coins are worth.

Pros

• Instant reward rather than a deposit-dependent match
• Distinct, collectible-style format
• Rated 9.5 editorially

Cons

• Value of mystery coins and cards is not stated
• Real-money versus sweepstakes status is not confirmed
• Payout and licensing information unverified

6. Zumba Cards

Zumba Cards offers a 250% deposit bonus up to 250 SC. The SC unit normally stands for sweepstakes coins, which suggests a sweepstakes-style platform rather than a conventional real-money casino. That affects how you should judge it: the question becomes how coins are earned, whether a purchase is needed, and the redemption rules for prizes.

This is a fit for players comfortable with the sweepstakes model who want a clear bonus ceiling. The cap of 250 SC is stated, which is more transparent than a bare percentage. Check the redemption minimum and any playthrough applied to SC before assuming a balance can be cashed out.

Pros

• Stated bonus ceiling of 250 SC
• 250% match rate
• Sweepstakes-style format may appeal to some casual players

Cons

• Sweepstakes legal status in New Mexico is unsettled
• Redemption rules and playthrough are not confirmed
• Game library and providers unverified

7. BetUS

BetUS offers 200% up to $4,000 for new players, a dollar-denominated cap that makes the maximum bonus easy to understand. A $2,000 deposit would be needed to reach the ceiling, which is a good reminder that most players will receive far less than the maximum.

The data supplied covers the casino welcome offer only. It does not tell us about sportsbook features, so we make no claims about them here. BetUS suits players who want a mid-sized match with a stated dollar cap. Check the wagering multiple, game weighting and whether the offer can be split across deposits.

Pros

• Clear $4,000 maximum on a 200% match
• Lower match percentage generally means a lighter wagering load than giant matches
• Rated 9.5 editorially

Cons

• Wagering and eligible games not confirmed
• Smaller percentage than several competitors
• Payment methods and payout speed unverified

8. Amazon Jackpots

Amazon Jackpots packages 4 posters, 40 free SC and a bonus wheel for $20. This is a purchase-based bundle in a sweepstakes style: you pay $20 and receive coins plus extras. The $20 price is the one concrete figure, and it gives a low entry point compared with deposit matches that reach thousands of dollars.

The key question is what the $20 buys. Posters and a wheel spin are extras, while the SC are the part that may be redeemable. Check minimum redemption levels and identity requirements. It fits low-budget casual players who want a fixed cost, not bonus-hunters chasing a large match.

Pros

• Fixed $20 entry price
• Includes 40 free SC and a bonus wheel
• Simple bundle rather than a percentage calculation

Cons

• Redemption rules for SC not confirmed
• Posters have no stated gameplay value
• Sweepstakes status in New Mexico is unsettled

9. Slots and Casino

Slots and Casino offers 500% up to $2,500 across three deposits, shown as “x3”. Splitting the bonus over three deposits spreads the playthrough and lets you test the cashier and support before committing more. It is useful for players who want a high match without paying it all in one go.

We have not confirmed whether the 500% applies to each deposit or how the $2,500 is divided. Read that carefully. Wagering, maximum bet and game weighting details are also not supplied.

Pros

• 500% match across three deposits
• Staged structure lets you test the site gradually
• Stated $2,500 ceiling

Cons

• How the cap splits across deposits is not confirmed
• Wagering terms unverified
• Licensing and payout data not supplied

10. Bets.FM

Bets.FM is built around crypto: a 225% deposit bonus up to 1 BTC plus 225 free spins. The ceiling is in bitcoin, so its dollar value moves with the market. A bonus of that size is worth far more or less depending on the price when you claim and when you withdraw.

It suits players already holding crypto who want to bank with it. It is a poor fit if you prefer cards or stable dollar amounts. Volatility applies to your deposit and any winnings, and we have not confirmed wagering, spin values or withdrawal limits.

Pros

• 225% match with a generous 1 BTC ceiling
• 225 free spins included
• Suits crypto-first players

Cons

• Bitcoin price swings change the bonus and balance value
• Wagering and spin terms not confirmed
• Dollar banking options unverified

Best New Mexico Casino Sites Compared

This table puts the ten sites on the same footing using the data supplied. The “Payout rate” column shows what we can confirm, which is nothing measured. Treat it as a reminder to check payout terms yourself.

Reading the table: Magician Bet is the one offer with no playthrough, Raging Bull and Slots and Casino have dollar ceilings you can calculate, and Zumba Cards, Amazon Jackpots and Card Crush follow coin-based models that work differently from a standard casino bonus. Pick by the structure you prefer, not only by the highest number.

Is Online Gambling Legal in New Mexico? Law, Tribal Compacts and Player Status

The short answer: New Mexico has no legal, state-regulated online casino. Online gambling New Mexico players find on offshore sites sits in a legal grey area. It is not a state-licensed product, and this page does not present it as one. This is general information, not legal advice.

New Mexico Gaming Control Act and tribal exclusivity

Casino gaming in the state is governed by the New Mexico Gaming Control Act (NMSA 1978, Chapter 60, Article 2E) and by federal law, specifically the Indian Gaming Regulatory Act (IGRA). Under IGRA, tribes negotiate Class III gaming compacts with the state, which gives tribal casinos a central place in New Mexico gambling. Racinos are the other pillar, operating at licensed racetracks. Neither framework creates an online casino license.

Operator versus player legal distinction

Laws often treat those who operate gambling differently from those who play. Offshore operators are not licensed by the state, and the state has no regulator overseeing them. What that means for an individual player is a question for a lawyer, because we cannot give a definitive answer. What you can say is that state protections available at tribal casinos and racinos do not extend to offshore sites.

NMGCB oversight and state legislative landscape

The New Mexico Gaming Control Board oversees state racinos and charitable gaming. It does not license online casinos. Any future legal online casino market would need legislation and, because of tribal exclusivity, agreement with the tribes. We have no supplied evidence of a current bill, so we do not speculate on timing.

Consumer protections

At a licensed physical venue, you have a regulator and a complaints path in the state. At an offshore site, your protection rests on the operator's terms, its licensing body (if any) and its own dispute process. The age threshold is 21 for tribal casinos and racinos serving alcohol, and 18 for bingo, lottery and pari-mutuel wagering. Sweepstakes sites add another layer of uncertainty, since their status is contested in several states.

How We Reviewed the Best New Mexico Online Casinos

This page relies on published information: the supplied offers, editorial ratings and the ranking order. We have not made test deposits, timed withdrawals or contacted support for these reviews, and the ratings should not be read as measured performance. Our fact-check date is September 30, 2026.

When assessing any site for New Mexico players, these are the criteria we apply and the ones you should check:

• Ownership and operating company — who runs the site and whether that is disclosed.
• Licence information — issuing body, licence number and whether it can be verified on the regulator's own register.
• Terms and bonus fairness — wagering multiple, weighting, maximum bet, expiry and cashout caps.
• USD payment methods — dollar accounts, conversion charges and cashier availability for US customers.
• Withdrawal limits — daily, weekly and monthly caps.
• KYC requirements — what ID is demanded and when.
• Customer support — live chat hours and email response.
• Responsible gambling tools — deposit limits, time-outs and self-exclusion.

Where the data does not cover an item, we say so rather than fill the gap. If you spot something out of date, use our contact page to tell us.

New online casinos versus rebrands

A new online casino has no operating history. A rebrand or new domain may belong to an established operator with years of player feedback behind it. The difference matters because a track record shows how a company handled disputes and withdrawals. Ask who owns the site, whether the licence predates the rebrand, and whether the terms match an older brand. With a limited history, our assessment is necessarily more cautious, and you should keep early deposits small.

Offshore Licences Behind New Mexico Casino Sites

Offshore casinos hold licences from foreign regulators, not from New Mexico. We have not verified the licence held by any of the ten operators here, so the text below explains how to read licence claims in general.

Curaçao

Curaçao is a common jurisdiction for offshore casinos. Its licensing regime has been reformed in recent years, and the level of oversight has varied. A Curaçao logo in a site's footer is a starting point, not a guarantee. Look for the licence number and check it on the regulator's register.

Anjouan

Anjouan is a newer, lighter-touch licensing jurisdiction used by some recent sites. Its protections and dispute mechanisms are generally more limited, so a site with only this licence deserves extra scrutiny.

Malta

The Malta Gaming Authority is regarded as a stricter regulator, and its licences typically come with auditing and segregation of player funds requirements. Few US-facing offshore sites hold one, since Malta-licensed operators commonly avoid the US market.

What a licence does and does not do

A reputable foreign regulator can require RNG testing, financial audits and separation of player funds. None of that equals a New Mexico licence. Verify the operating company named in the terms matches the licence holder, be wary of mirror domains that copy a brand, and only use the address the brand's own licence page points to.

For complaints, start with the casino's support and escalate through its formal complaint process, then the licensing body if one exists. Offshore legal recourse is limited, and recovering money through courts is usually impractical.

Online Casino Bonuses at New Mexico Online Casinos: What They Are Worth

Bonuses vary widely between brands. The offers above include matches, free spins, coin bundles and a no-wagering deal, so never assume identical terms.

Welcome bonuses

A welcome bonus is the package given on signup or first deposit. The size matters less than the conditions. Always check eligibility, expiry and whether you must opt in.

Deposit match offers

A deposit match adds a percentage of your deposit as bonus funds. Raging Bull, Uptown Aces, BetUS and Slots and Casino use this format. Worked example, illustrative only: deposit $100 with a 200% match, receive $200 bonus. At 35x on the bonus alone, playthrough is $200 × 35 = $7,000. At 35x on deposit plus bonus, it is $300 × 35 = $10,500. Whether wagering applies to bonus only or to both is one of the most important lines in the terms.

While wagering, a maximum bet rule (for example, $5 per spin) may apply. One oversized bet can void the bonus. Games contribute differently, and table games often count for less than slots.

Free spins and slot spins

Free spins are attached to specific games, as Slots of Vegas does with Cash Chaser. Winnings may carry separate wagering and a cashout cap. A free spin is not a cash bonus, and its value depends on the stake per spin.

No-deposit bonuses

No-deposit offers give credit without a payment, but are typically small, capped at cashout and carry wagering. None of the ten supplied offers is described as a no-deposit bonus, so we make no claims of one.

Cashback bonuses

Cashback returns a share of net losses. It is not a way to recover money, and the rate, period and any wagering on it vary. We have no supplied cashback details for these sites.

VIP and loyalty programs

VIP and loyalty programs reward regular play with points, reload bonuses or faster withdrawals. They reward volume, and volume means risk. Treat them as a perk, not a reason to play more. Supplied data does not cover specific programs here.

Also note cash versus bonus balance handling. Some sites use your cash first, others the bonus first, and cashing out before clearing wagering can forfeit the bonus. Reload bonuses and other ongoing promotions follow the same rules, so read each set separately. And if the expiry is 7 days, a 35x target may be unrealistic for a small bankroll.

By contrast, Magician Bet's 101% no-wagering offer removes the playthrough step, and Amazon Jackpots' $20 bundle is a fixed-cost purchase. The right choice depends on whether you want size, simplicity or a capped spend.

New Mexico Online Casino Bonus Codes

A bonus code is a short text string that unlocks a particular offer. Some offers need one; others apply automatically.

How to redeem bonus codes

Codes are typically entered in a promo field at registration or in the cashier before you confirm a deposit. If a code fails, check for typos and expiry, confirm the minimum deposit and payment method qualify, and make sure you have not already claimed a different offer. Contact live chat before depositing again, because a missed code is usually not recoverable after the deposit posts.

Exclusive codes versus automatic opt-in promotions

Exclusive codes are tied to a partner or campaign and may differ from the public offer. Automatic promotions apply once you meet the criteria. We have no code data for these ten sites, so we list none. Verify any code on the casino's own promotions page, and read the playthrough attached to code-based offers, because they can differ from the standard welcome package.

Payment Methods at Online Casinos in New Mexico

Banking options decide how easy it is to start and, more importantly, to cash out. Keep deposits and withdrawals separate: a method that works for one may not work for the other. A method being popular in the US does not mean a given site supports it. The table below is general guidance, not operator data, and we have not verified which methods any of the ten sites accept.

Credit and debit cards (Visa, Mastercard, Discover)

Cards are familiar and fast for deposits. US banks can decline gambling transactions, or code them as cash advances with extra fees. Card withdrawals are less common and slower, often returning as a bank transfer or check instead.

Cryptocurrencies (Bitcoin, USDT, Ethereum, Litecoin)

Crypto is the most common route at offshore sites and the faster one for payouts, once the casino approves. Bets.FM is explicitly crypto-oriented. Bitcoin and Ethereum move in price; USDT is pegged to the dollar but carries its own risks. Sending to the wrong network or address can lose funds permanently. Check minimums and network fees.

E-wallets (Skrill, Neteller, MiFinity)

E-wallets can speed up payouts and keep card details off the casino site. Availability to US customers varies, and some casinos exclude them from bonus offers. Confirm before you open a wallet for one site.

VIP Preferred / eCheck (ACH transfers)

ACH-style methods pull from your bank account. They suit larger deposits but are slower to settle, and failed transfers can incur bank fees. Where a site offers a preferred ACH option, minimums and limits may differ from cards.

Wire transfers and online banking

Wires are reliable for large withdrawals but slow and often carry fees. Expect several business days and possible intermediary charges. Online banking pay-ins depend on your bank’s policy toward gambling merchants.

Gift cards and prepaid vouchers

Prepaid cards and vouchers limit spending to a preloaded amount and don’t expose your bank account, which is useful for budgeting. They are usually deposit-only, so you’ll need another method to withdraw.

Deposits and withdrawals differ in minimums, too. A minimum deposit might be modest while a minimum cashout is higher. Processing fees, dollar conversion if the account is not in USD, and a US bank’s rules all matter. Under the Unlawful Internet Gambling Enforcement Act (UIGEA), US financial institutions are restricted from processing certain gambling transactions, which is why payments to offshore sites are sometimes declined or routed unusually. We cannot confirm how any specific site handles this.

NM Online Casino Withdrawals, KYC and Cashout Restrictions

A withdrawal has two stages: the casino’s internal approval, then the payment rail’s settlement. Approval may take hours or days; crypto may then settle the same day, while a wire to a US bank can take several business days. Quoted timeframes are targets, not results we measured.

What KYC involves

Know Your Customer checks usually request a driver’s license or state ID, proof of address and proof of payment method. Some sites may request the last digits of your Social Security number, or an explanation of the source of funds on larger withdrawals. Age verification is part of this; New Mexico players should be 21 or older.

Sites verify identity before paying out to prevent underage play, fraud and money laundering. Upload documents early, so you are not waiting when you request a cashout.

Limits and common delays

Expect daily, weekly or monthly USD caps, and watch for unmet bonus playthrough, mismatched names, expired documents and weekend processing. A big win paid in instalments under a monthly cap is common, so read the limit before you play.

Resolving a dispute

Begin with live chat and keep screenshots. Escalate by email, then the site’s formal complaints process and its licensing body if one exists. Offshore recourse is limited, so never deposit money you can’t afford to lose.

Games at New Mexico Online Casinos: Slots, Tables and Live Dealers

Game variety is where sites differ most. The data supplied does not list library sizes or providers, so a large game count should not be treated as proof of quality. Judge by the categories you play and the limits you need.

Online slots

Slots dominate offshore catalogues, with themes from classic fruit machines to Megaways-style mechanics. Two numbers matter: Return to Player (RTP) and volatility. RTP is a long-run average, for example 96%, across millions of spins, and says nothing about a single session. A higher-volatility slot pays less often but in larger amounts. House edge is the flip side of RTP.

Progressive jackpots

Progressive jackpots grow as players stake and pay out at random or on a trigger. They typically carry a lower base RTP because part of each stake funds the pot. Odds of hitting one are very small.

Live dealer tables

Live-dealer games stream real dealers in blackjack, roulette and baccarat. Check table limits, since minimum bets at live tables are often higher than RNG versions, and live games usually contribute little or nothing to bonus wagering.

Game shows

Game shows are live, wheel-based or multiplier formats with entertainment-first design. They can swing widely and often have a higher house edge than standard tables.

RNG table games

RNG tables cover blackjack, roulette, baccarat, craps and video poker, plus crash games. Variants differ in rules, and small rule changes shift the house edge. Blackjack paying 6:5 instead of 3:2 is a worse deal. Fair play relies on random number generators tested by independent labs, so look for certification.

Most libraries also run on mobile connections, where slot and RNG games work well but live streams need a stable signal.

Game Providers Behind Online Casinos Serving New Mexico

We have not verified which studios supply any of the ten sites, so the following describes providers in general and does not claim any is featured.

• Pragmatic Play — broad slot catalogue, bonus-buy features and live games.
• Betsoft — cinematic 3D slots.
• Real Time Gaming (RTG) — long-running studio common at US-facing sites.
• Dragon Gaming — slots with themed bonus rounds.
• Evolution Gaming — the best-known name in live dealer streaming and game shows.
• Rival Powered — the iSlots format with interactive features.
• Hacksaw Gaming — high-volatility slots with large win potential.
• Spribe — crash games such as Aviator.

A famous studio name is not proof that a casino pays reliably. Treat it as one signal among licence, terms and payout record.

New Mexico Casino Apps and Mobile Play

Most offshore sites are built for mobile browsers, and few offer native apps in the US app stores. Real money casino apps for New Mexico are therefore usually a mobile website or a home-screen shortcut. We have not verified whether any of the ten brands offers a downloadable app, so check before assuming one exists.

Mobile casino games

Both iOS and Android work with modern browsers. Look at cashier usability, USD deposits and withdrawals on a phone, and whether live games load smoothly. Biometric logins (Face ID, Touch ID) depend on the browser or app support.

Browser play versus PWAs

Instant play in a browser needs no download. A progressive web app adds an icon and full-screen view but is still a web page, not an app store product. A New Mexico casino app from outside the official stores may require sideloading, which carries security risk, so be careful and stick to official sources.

Legal Land-Based Gambling in New Mexico

If you want regulated, in-person play, New Mexico offers tribal casinos and racinos. This is where New Mexico gambling is legally anchored.

Tribal casino resorts

Examples include Inn of the Mountain Gods Resort & Casino, Sandia Resort & Casino, Buffalo Thunder Resort & Casino and Isleta Resort & Casino. They operate under IGRA compacts. The minimum age is 21 at venues serving alcohol.

State-licensed racinos

Racinos include Sunland Park Racetrack & Casino, The Downs Racetrack & Casino and Zia Park Casino, overseen by the NMGCB.

Tribal sovereignty and the online future

Because tribes hold compacts giving them exclusivity over Class III games, any expansion of retail sports wagering or online casino gaming would need to respect those compacts. That makes state-regulated online casino legislation a complex negotiation, not a simple bill. Until something changes, online casino New Mexico residents see advertised is not state-licensed.

Self-Exclusion and Responsible Gambling Tools

Gambling should be entertainment with a fixed budget, never a way to earn money, solve financial trouble or escape stress. You can lose money at any site on this page.

Look for these tools in the account settings:

• Deposit limits — daily, weekly or monthly caps.
• Loss limits — a ceiling on net losses.
• Session timers — reminders after a set time.
• Cool-off periods — a short break from 24 hours up to several weeks.
• Self-exclusion — a longer block on your account.

Self-exclusion usually applies only to the brand you register with. Sister sites under the same parent may not share it, so ask support in writing which brands are covered, and exclude from each separately. Never open a new account to get around an exclusion; if you've excluded, stay excluded.

Help is free and confidential. Call the National Problem Gambling Helpline at 1-800-GAMBLER (1-800-426-2537), available 24/7. New Mexico residents can also contact the New Mexico Council on Problem Gambling for local resources. You must be 21 or older to use this site’s recommendations.

Choosing Among the Top New Mexico Online Casinos

Use the evidence, not the headline. If you dislike playthrough, Magician Bet is the one no-wagering offer. If you want size, compare Raging Bull, Uptown Aces and Slots and Casino on cap, wagering and expiry. If you prefer a fixed cost, look at Amazon Jackpots; for crypto, Bets.FM. Across all of them, confirm licensing, USD banking, withdrawal limits, mobile usability and safer-play tools before you deposit, and only use money set aside for entertainment.