Scratch cards are a luxury item. They are not something that everyone can afford to buy and therefore they should not be bought unless you have the available money to do so. This might sound obvious to some, but because we do not get financial education in school, it is easy to make mistakes when we are deciding where to spend our money.
There are some people who buy scratch cards before their essential items and then struggle to pay the bills if they do not win a significant amount of money. It is important to make sure that you do not do this because it is not a good thing to do.
Scratch cards should be seen as entertainment and therefore you should use money from your entertainment budget to buy them. If you do not budget, then just make sure that you spend money on them to make sure that it is money that you can afford to lose.
If you do not do this, then it can make the scratch cards far less fun. Rather than getting a thrill if you win, you feel stress if you do not and this is not a good way to play. The cards are designed to be fun and should be used as a fun thing to play. The winning should be a bonus rather than a necessity and it certainly can be lots of fun if you do things right.
There is no magic figure as to how much you should spend on the scratch cards, but you should think hard about what you can afford to spend and make sure that you are not using more money than you can afford to. If you stop enjoying playing the cards, then it is time for a break and if you start struggling financially, then it is definitely time to stop.
So it is an individual decision but just make sure that what you are doing is sensible. Make sure that you are comfortable with the amount of money that you are spending and you should find that you are able to naturally find the right amount.