Times are tough, but saving money isn't. Just decide what you can do without. Here are 10 common but unnecessary purchases you don't need.

人生在世多坎坷，但省錢可沒這么辛苦。就想想你有什么不需要的吧。以下是10件在美國不太需要的物品。

Step 1: Credit Card Protection Plans 信用卡保護方案

They promise to make minimum payments if you lose your job. But they add a significant amount to your monthly bill- money better spent paying down balances.

他們答應你在失業時給予最低付款。但他們在你的每月賬單上收取的錢遠多于此。

Step 2: Commercial Grade Appliances 商用電器　　

Americans are eating out more than ever, and an inexpensive microwave heats take-out quite well.

現在的美國人大多出去吃飯。而一個便宜的微波爐卻讓你去加熱外賣。

Step 3: Detox 排毒品

Teas, colonics, even Japanese foot pads claim to detoxify your body. Your liver and kidneys do that for free.

雖然茶葉，清腸片，甚至日本腳墊號稱能給你的身體排毒。可你的肝臟和腎免費幫你排毒。

Step 4: Jeans 牛仔褲　　

The average American woman owns 8 pairs or more. Even at 75% off put them back.

平均每個美國女人有8條甚至更多的牛仔褲。75%的人都讓牛仔褲閑置著。

Step 5: Kleenex Box Covers 盒裝面巾紙　　

Research has shown tissue works fine without a cover.

研究發現沒有盒子的紙巾更好用。