We spent money on wine or other alcoholic drinks at dinner. Also, at Teppanyaki we paid extra for a sushi appetizer, and we paid for 2 extra appetizers that were not on the dining plan when we ate at Yachtman Steakhouse.
We bought a few snacks out of pocket such as a $1.00 piece of fruit that we didnt' think it was worth using a snack credit on. We also bought one or two breakfast sandwiches at the Beach Club Marketplace out of pocket because we did not want to use a CS credit on those.