If you don't plan on reloading your BR, you need to have much stricter BRM. You don't have enough for cash, so I would stick with SNGs, MTTs, and FRs for now. As far as BRM goes, 100-200 buy-in range is normal for tournament type games. So, you would play the .05-.10 buy-in games + freerolls.
If you can reload, but don't want to make it a frequent habit, you can still follow strict BRM, but it doesn't have to be as strict as the first example. So, 50-100 buy-ins would be fine. Or .10-.20 buy-ins.
If reloading isn't a problem, then you don't have to follow very strict BRM rules at all. However, you should still follow some type of BRM plan. I think having 20-25+ buy-ins as a recreational player is fine and it allows you to play the .40-.50 buy-in games.