Daystrom Institute
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The /r/DaystromInstitute wiki held a number of popular Star Trek watch guides. We have rehosted them here:
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Another time money comes up is the episode, In the Cards, where Jake wants to buy a Willie Mays baseball card to cheer up his dad. He talks Nog into paying for it because as a Federation citizen Jake doesn't have any money.
I found some of the dialogue on Memory Alpha:
I also imagine Starfleet officers in a non-Federation posting getting stipends. Or maybe Quark and other business owners bill the Federation for whatever Federation citizens buy? And maybe that arrangement doesn't extend to the auction with the baseball card?
There are references to Jake buying from some of the station's businesses. I think I remember him buying jom-jom sticks, and dining at the Klingon restaurant. (Did Jake ever use a holosuite on his own?) I'm thinking either Jake has some sort of allowance or stipend, and is exaggerating when he says he "doesn't have money", or those businesses make special arrangements for Federation citizens.
I mean, having walking around money and having Mom-style "now that's walking around money" (i.e. enough to buy a Willy Mays rookie card) are two different things.