Last month I did about $1100 in fees and about $675 in reimbursements. The bulk of the reimbursements were for restaurant shops, though there was $150 in grocery reimbursements in that total. Bank shops, apartment shops, cell phone shops are examples of shops with no out-of-pocket expense. But if you are going to need groceries anyway, why not get them reimbursed? If the car needs an oil change, why not get it reimbursed?
As for restaurant shops and other lifestyle shops, take your reimbursements every month and try to add a little to it to form a 'shopping kitty'. My 'kitty' has grown to small deposit accounts with several banks in town where I opened accounts to do bank shops. You will find comfortable ways to manage it, but most generally my 'kitty' has about $1500 spread out around and I put all reimbursements possible on a rewards credit card. When it comes time to pay the card I may deposit checks I write on my smaller bank 'kitty' accounts to help cover clearing the card. As you recycle your kitty it will grow and you will be able to comfortably cover reimbursement shops that don't pay you before the credit card needs to be paid. It just requires a mindset that the check you receive in the mail or funds by direct deposit or PayPal is NOT your business profit but rather earnings PLUS reimbursements and the reimbursements need to be recycled to stay in and grow your business.