15yr old dd. Walks to school (when they can go!) and takes a packed lunch/snacks/drinks from home. Phone is on a contract that we pay for.
At the moment we give her money when she's going out to meet friends, for buses, lunches. If she needs clothes I ask her to look online and I buy or give her money when she's going into town and say buy a pair of jeans or whatever. Ideally I'd like to hand responsibility to her and give her a monthly amount as I'm aware these things need to start before she goes off to uni without a clue of how to budget!