1) Monthly payments and leases for permanent assets
Especially for a car, but also for a mortgage.
I don’t think I’ll ever purchase a house, but I never say never.
I rent because it gives me flexibility and freedom, especially as someone who has nomadic tendencies and is a consultant.
(By general definition, consulting = travelling…)
2) Landline/Home Phone
I use my cellphone for my life, and for my business. Period.
Plus, it’s portable 
No need to sign anything or ask someone to come in and hook the connection up.
I can also keep my telephone number wherever I go, so even if I move cities, I can keep my number.
This might seem inconvenient but I need to have Canada-wide long distance calling on my phone ANYWAY, with the nature of my job, and my incoming calls are free.
I also rarely use the phone. I never go over my 100 minutes a month, let alone 10 minutes.
3) Shopping for fun and Shopping Parties
You know those Tupperware or Purse parties? No thanks. I also don’t go out shopping for fun any longer — it just adds to my temptation.
4) Guilt
I don’t buy the latest toys (iPad debacle, anyone?), and I even held off on an e-book reader for a couple of years and counting, because the price isn’t right.
I don’t feel guilty about not having the latest and greatest toys.
I don’t feel bad about saying “No” to people, events and commitments.
I don’t feel guilty about owning anything I don’t love or use.
5) Newspapers and Magazines
I feel a bit bad about this, as I know people in the publishing industry, but magazines used to stack up into huge piles in the corner when I subscribed to them.
They also made me feel like I wanted to go shopping for the newest purse, the newest dress or whatever else was in those shopping/fashion/lifestyle magazines.
The temptation was awful.
Now I get my fix online 
6) The luxury of energy
Heating the house to a balmy temperature is unnecessary in Canada.
Of course, I need it to be a BIT warm, but for personal preference, I just throw a sweater and some MUGGs on my feet, and I am perfectly fine.
Some people crank up the heat too far, but slightly cold is all right for me.
Running the air conditioner when it’s just a bit too hot in Canada, is also a luxury (but not for those of you living in Florida I bet!)
I just cool down the room before I sleep, and let a light fan run instead of the A/C.
I also use a night light in the bathroom for the night, and put everything on power strips, which I shut off at night to avoid vampire drain.
I’m getting used to using less energy.
7) Debt
I cleared my student debt and am happy to report that I am being extremely careful to never rack up ANY kind of debt again.
Fancy nights out
I am more of a homebody. I don’t like clubs or fancy restaurants.
We also don’t eat out unless it’s a really special occasion to celebrate something, or if I am meeting friends.
I just prefer eating at home — I know what goes into my food, I love spending the time cooking it to exactly what I want, and it’s cheaper to boot!
9) Gifts — Receiving or Giving
And by gifts, I mean STUFF.
I’d rather go out to eat with friends, or gift services.
I don’t like having extra stuff in my closet, or anything that I am not planning on using.
When I do get gifts, I of course, do NOT go into a tirade about how I hate gifts and clutter.
I just simply smile, thank them, reciprocate with something, and re-gift the items to my very happy friends who will get some good usage out of them.
10) A Starbucks here, a Muffin there…
No more. I only buy those items as a treat.
This also makes the treat all the more special if I don’t get it every day, and take it for granted.
