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Simple answer, you don't buy things you can't afford.
Having enough in savings, lowering bills and expenditures, conserving consumables, planning for the future and reusing items are all good ways to be fiscally conservative.
Now charity, helping others, building projects that a single person can't fund, and living the life you want are good things to do if you have enough money or a good government should help organize. A government that is fiscally responsible is one that has a balanced budget, finds cheaper ways to do things, and will raise taxes if necessary spending requires it to.
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