Why rely on plastic? Pay with cash/debit cards. If you don't have enough cash, then don't buy it. This obviously doesn't apply to cars and houses.
I spend what I have. I wasn't able to save much before all this hit, but hopefully will be able to when I get a new job (jobless, right now). I have no credit and would be happy to keep it that way.
I try to spend well, considering future usefulness of what I buy. It pisses me off to no end when I can't find a high quality durable product like I want. I mean, I want to spend more for better quality, but can often only spend more for more features, or cool styling.
I don't pay normal high prices for entertainment, either. I get deals from eBay, buy used here, or from Secondspin, etc.. Not having any new money coming in, I've got about $600 worth of DIY projects waiting in the wind, too, which is annoying . The chances of the costs going down by the time I feel OK spending that are pretty much nil (which is why it's so annoying).
I don't go to see a doctor as much as I should, because I could use a single visit's cost to pay for weeks of food (that's with insurance, BTW). I hate to finally send in the COBRA forms and a check, for the same reason (except not doing so could get me screwed when getting new insurance).
The thing is, there's very little room to move down, right now, except for getting crappy food, or trying to get a CC and abuse it. I'm not keen on crappy food.