I have opinions, most of which I can hold until tonight, but there are two that I'd like to mention now.
1) Whatever problems we have with the bank, they are doing a reliable job of safely holding onto the bulk of the money.  It's not a use it or lose it situation. There is no reason to spend tons of money just because we have it.
2)  It would be nice to have a standard annual budget, even if we end up having to fiddle with it.  Example:
IAP food and other expenses: $100
BB/RW donations                       40           
hand goop                                   20  (or this could go into a larger ringing room category that might include tissues, cleaning supplies, and so forth, all of which are bought with petty cash)
RW subscription                       200 (for paper. More if we subsidize online subs for some people)
Emergency tools or parts          500
Cards and stamps                        60
non- IAP Recruitment               100

 Laura Dickerson