I resisted for a long time but got my first "smart" phone last year. I think for the extra $10-$20 a month its worth it. Being car free and relying on public transit at least part of the time, having a smart phone makes planning trip with multiple stops a lot easier. I can check the hours of stores that I am running late to to make sure I dont waste a trip etc... really useful in my opinion and without the expense of a car its not a big deal. Also, the smart phone is an e-reader and music player which makes my time on the bus that much more enjoyable.

As for internet, I too bought a modem/router combo and I split the net bill with my downstairs neighbors who use the wifi to connect. I highly recommend this to anyone in an apartment complex or with anyone living close enough to do it.

I also pay cash for just about everything. I withdraw a set amount out of the ATM every Friday as my allowance for the week for stuff like eating out and entertainment. The only time I use my card is for groceries so that I can track what I spend each month on them.