For my Daisy troop (bridging to Brownies in 6 weeks I'm so proud of them)...
In fall I held a parents meeting. I showed them the budget my asst. leader and I set for the year. We had activities listed that the troop account would pay for.
Troop account pays for all badges/petals (including fun and required). We pay only for the girl in the troop. i.e. bowling, skating, zoo etc. and we paid for one service unit event that we knew we wanted to attend Thinking Day.
We set a $40 dues fees to offset the start of the year as we went from 7 girls in KG to 17 girls in 1st grade with only $200 in our account. That was gone when we ordered petals and insignia.
We had a few things come up that the service unit puts on which do cost money. I let the parents know at the parent meeting that if their daughter was to participate in any other events not listed on the budget that it would be an out of pocket cost to them.
What many parents don't realize is how much money comes out of my pocket personally to make sure our troop runs smoothly.
We also have a Kaper chart which the girls use to identify what their job is during each meeting...one of those is Happy Hostess. That family is told before the meeting that she is to provide snacks for the troop. Keeps troop cost down as last year I spent way too much money out of my pocket.
We have a sister Daisy troop and the parents just write checks to events/activities as they come up.
I am the type of person that would much rather write one check, pay one amount and be done with...but also realize that things come up and I may have to contribute more...
As far as the fundraisers...yes the troop makes money from those but it's not always enough depending on troop size. Petals cost $6 for a set times that by 17 is $102...plus fun patches are anywhere from $1-4...it adds up so quickly.
Definitely ask the leader...just let her know you are curious.