Torez and Kim trade holodeck time. I don't have the DVDs available, but it's stuff that's casually mentioned in downtime while they're doing engineering type tasks. It's not anything that is plot critical, so it rarely shows up in synopses (which I'm guessing is the only way you've "watched" Voyager if you aren't aware of the the fact that there are two crews on a starship with only two holodecks (unless you count sickbay, which I don't).
As for citing:
HOLODECK SCARCITY:
http://www.chakoteya.net/voyag...
"KIM: Doc, how about a trade? I'm willing to throw in some holodeck time. Come on! It would mean a lot to my mother."
http://www.chakoteya.net/voyag...
NEELIX: Now watch carefully. I place the tera nut under the cup. Then I shuffle them. Round and round they go. Keep your eye on the nut, but be careful, the hand is faster than the eye. Now, for three hours of Holodeck time, can you tell me where is the tera nut?
REPLICATOR RATIONING:
http://en.memory-alpha.org/wik...
https://www.google.com/search?...
The Voyager Transcripts - Meld
http://www.chakoteya.net/voyag...
PARIS: Why don't we make it interesting this time. Let's add some table stakes. KIM: What kind of stakes? PARIS: I don't know. Hmm. Couple of replicator rations,
...
The Voyager Transcripts - Parturition
http://www.chakoteya.net/voyag...
... So I ate Neelix's food for a week and used my replicator rations. PARIS: Play something for me. KIM: Well, I've only had
...
The Voyager Transcripts - Warhead
http://www.chakoteya.net/voyag...
... PARIS: I'll pay you back double with next month's replicator rations. NEELIX: That's what you said when I let you
...
The Voyager Transcripts - Twisted
http://www.chakoteya.net/voyag...
... It must have cost you a week's worth of replicator rations. PARIS: Two weeks actually, but who's counting? I'm just glad
...
The Voyager Transcripts - Equinox
http://www.chakoteya.net/voyag...
... NAOMI: If you need anything, replicator rations, a tour of the lower decks, I'm your man. GILMORE: Thank you, Miss
...
The Voyager Transcripts - Real Life
http://www.chakoteya.net/voyag...
Apr 23, 1997 -
... CHAKOTAY: If we could harness some of that energy, we could go off replicator rations for a while.
The Voyager Transcripts - Scorpion
http://www.chakoteya.net/voyag...
... I'm working on a plan to extend our food and replicator rations. JANEWAY: We have to act fast. The Borg have captured
...
The Voyager Transcripts - The Chute
http://www.chakoteya.net/voyag...
Sep 18, 1996 -
... So, what do you say we blow a week's worth of replicator rations? KIM: So what's for dessert?
The Voyager Transcripts - The Cloud
http://www.chakoteya.net/voyag...
Feb 13, 1995 -
... I'll use one of my replicator rations for coffee. NEELIX: That would not be appropriate, Captain.
The Voyager Transcripts - Before And After
http://www.chakoteya.net/voyag...
Apr 9, 1997 -
... KES: I remember last month's supply of replicator rations that you borrowed, that you owe me, if that's
...
FEDERATION CREDITS (including transporter credits):
http://en.memory-alpha.org/wik...
http://www.chakoteya.net/ds9/4...
"SISKO: I remember, Jake, I wasn't much older than you when I left for San Francisco to go to Starfleet Academy. For the first few days, I was so homesick that I'd go back to my house in New Orleans every night for dinner. I'd materialise in my living room at six thirty every night and take my seat at the table just like I had come down the stairs.
JAKE: You must have used up a month's worth of transporter credits.
SISKO: My parents, they never said anything about it. Just 'how you doing, son, how was school today? They knew that I would get over being homesick soon enough. And after about the fifth, sixth day, you could pry me from that campus. Of course now, if you go to Pennington, you won't be able to beam back to the station to have dinner with your old man. After about a week or so, you'll get over it. "
http://en.memory-alpha.org/wik...
