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I haven't had to use any of my own money for bets for ages now. Almost a year i'd say.
I won a fair amount a while back online, and instead of banking it, i just use that to fund my betting habbits.
Sometimes i win a little more, sometimes i lose it. People have said to me it's stupid not banking some of it and it's pointless, but the way i see it, i'd be dipping into my own money every few days. The way it is now, i can have my fun betting, and it's not actually costing me a penny.
If i won a huge amount on something though, then of course i would bank some of the cash then...
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