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。

　　Step 6: Gag Gifts 恶作剧的礼物

　　Gag gifts are only funny once. And they're not even that funny. No refunds. Same goes for cutesy knick-knacks.

　　恶作剧的礼物只是一时的好笑罢了。实际上它们也没怎么好笑。而且这些玩意儿不能退款。相同的礼品只能成为娇柔做作的小饰品。

　　Step 7: Air Freshener  空气清新剂

　　If your house stinks, clean it. That should take care of the odor.

　　如果你的房子有异味，那就打扫吧。这可以解决恶臭的问题。

　　Step 8: Satellite Navigation 卫星导航仪

　　The vast majority of drivers know exactly where they're going. If you don't, online directions are free.

　　绝大多数的开车人都知道路。如果你不知道，网上的导航可是免费的。

　　Step 9: Big Box Bulk 大整理箱

　　If you don't use it, it's not a bargain. It's a waste　　.

　　如果你不使用它，那它就不是便宜品。买它是一种浪费。

　　Step 10: Home Exercise Equipment 家用健身器

　　Most of it ends up unused, and there are far cheaper ways to hang up wet socks.

　　大多数健身器买回来就从未使用过，想挂湿袜子有更便宜的方式。