I used skype phone as a primary phone number for years. It's like 8$ per month instead of 80$. I spent most of my time indoors at home so internet connectivity was never an issue.
I start Christmas shopping in January, and only shop sales and clearance racks throughout the year. I have a rather large family and I'm usually done shopping by September. I wrap everything in October. My wallet is happy and so am I not having to be stressed out.
I don't smoke but live my financial life as a smoker. Meaning every Monday I transfer the sum of one weeks worth of cigarettes to my savings account. If people that earn less than me can afford smoking, so can I.