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，但省钱可没这么辛苦。就想想你有什么不需要的吧。以下是10件在美国不太需要的物品。

Step 1: Credit Card Protection Plans 信用卡保护方案

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.

他们答应你在失业时给予最低付款。但他们在你的每月账单上收取的钱远多于此。

Step 2: Commercial Grade Appliances 商用电器　　

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

现在的美国人大多出去吃饭。而一个便宜的微波炉却让你去加热外卖。

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.

虽然茶叶，清肠片，甚至日本脚垫号称能给你的身体排毒。可你的肝脏和肾免费帮你排毒。

Step 4: Jeans 牛仔裤　　

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

平均每个美国女人有8条甚至更多的牛仔裤。75%的人都让牛仔裤闲置着。

Step 5: Kleenex Box Covers 盒装面巾纸　　

Research has shown tissue works fine without a cover.

研究发现没有盒子的纸巾更好用。