I think it is better to pay with cash than to pay with credit card like you said, we should only buy things that is within our level that are very needed and that we can afford.
My major expenses I wanna cut is the cost of transportation, this is draining my finance, I work very far from my house, the solution is to either change job or move to an apartment closer to where I work, but residential apartment there are also very expensive. For the now, I have to continue living with this high cost of transportation.