I've never had a cell phone or any type of pay TV, basically just because I was never really interested in either. Saved me thousands over the years for sure!

We do use a credit card, which gets payed off in full every month, never a cent in interest. Our particular card has the "drivers edge" rebate program, (cash back when you buy any new or used car from any private seller or dealer) so by using it the bank actually paid us money. We got over a thousand dollars back twice over the years. Plenty of banks offer other types of rebate programs to choose from. It's all about controlling what one spends, not what means they use for paying.