The added benefit of paying cash for a car, or at least buying it outright, is you don't need to carry full insurance (fire, theft, glass, etc.) you only need liability. If you are stuck in a car loan and need to carry this insurance, consider taking out a personal loan to pay off the car loan, then lose the unwanted insurance.
I have a cell phone provided by work. my wife has a prepay Net 10 phone she uses rarely. We are going to try and replace our home phone with Magicjack. Sandy had us doubting ourselves on the issue, but I think we are going to give it a try.
As mentioned, think before you buy about the differences between "wants" and "needs." I do always say you should treat yourself once in a while though, maybe keep an affordable hobby.