First: define the smallest datatype possible for all of your columns. So you probably should change the ID to an INT datatype and the Lodging, FoodBill and DailyAllowance to a DECIMAL(10,2) datatype. Defining them all as VARCHAR(10) will not be the best practice and will give you lot of problems with implicit and explicit conversions.
Second: does the requirement state you have to use NULL or are you allowed to use 0?
You could define a CHECK CONSTRAINT on the table with something like "((Lodging + FoodBill) = 0 AND DailyAllowance > 0) OR ((Lodging + FoodBill) > 0 AND DailyAllowance = 0)"