Mild disagreement with the local-model plan for your case. If you're running out mid-month, you're using it enough that the friction is now the expensive part.
I spent about six weeks rationing, watching a counter and deciding whether a suggestion was worth spending, and the mental overhead of that was worth more than the subscription. Paid, stopped thinking about it, moved on. That's obviously not the answer if the budget is genuinely zero, but if it's "I'd rather not," reconsider what the rationing costs you.