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Top 10 useless goods and services that you shouldn't spend money on

Money is constantly scarce these days, and we shouldn't waste it on products or services that are virtually useless. msn.

Photo: Shutterstock

Top 10 useless waste that everyone makes. What should you watch out for?

1. Branded pharmaceuticals

What exactly do you pay extra for when you buy a branded drug instead of a regular one? Advertising, of course.

Unbranded drugs are usually copies of branded drugs that have expired patents. According to the federal agency, they are approved United States Food and Drug Administrationare of the same quality, strength, purity and stability as their branded equivalents.

2. Raffle Tickets

You are more likely to die from a shark attack or be struck by lightning than to win the lottery jackpot.

Here's a better game: use money on lottery tickets instead of microinvestment, that is, invest small amounts of money at a time.

Or, if you have a negative credit card balance, spend every penny you spare on getting your debt to zero.

3. Multivitamins

Multivitamins have no discernible health benefits, as shown in recent studies involving 21000 people. It looks like consumers are getting nothing for their money.

On the subject: Help save money on groceries and more: top 16 best loyalty programs in various American stores

People who use multivitamins report feeling better when they are actually no healthier than those who did not. Maybe the well-known placebo effect was at work here.

4. High octane gasoline

Unless you drive a super fancy car, premium gas is probably not required or even recommended for your vehicle. Thus, for most vehicles, the high-octane fuel surcharge is a waste of money.

Americans waste about $ 2 billion annually on high-octane gasoline, which is not required or recommended for their specific vehicles.

Unless otherwise stated in your owner's manual, your vehicle is not calibrated to take advantage of improved fuel.

5. Credit monitoring

Credit monitoring services do not stop attackers from stealing your accounts or personal information.
They just tell you about it after it has happened. What is the value in this?

However, it is recommended that you monitor your credit reports for signs of unauthorized use. During the coronavirus pandemic, credit companies offer free weekly credit reports. Their term expires after April 2022.

You will still have access to one free credit report per year, if permitted by law, from each of the three major credit reporting companies - Experian, Equifax, and TransUnion.

6. Cable TV

Even the most expensive streaming TV packages are cheaper than the average cable TV bill. And anyway, why sign a cable TV deal when streaming services allow you to cancel your account at will?

7. Commission for withdrawal from ATM

There is no need to spend money on fees for using an ATM offline. You don't get any benefit for the money you spend.

Use your bank or credit union's ATM network to avoid fees.

Always carry some cash with you so you don't end up in a desperate situation.

If you do find yourself in such a situation, make a small purchase at the store, which will allow you to get your money back when you use the card.

If your bank's ATMs are inconvenient, switch to a bank whose ATM location suits you, or better yet, a bank that reimburses you for ATM fees.

8. Trading commissions

Trading stocks is free for everyone, and many companies, including Charles Schwab, Fidelity and Vanguard, allow zero commission trades.

Commission-free trading can be risky if impulse buying prevails. But with the discipline and plan, you can use them to carefully accumulate funds.

9. Cookbooks

Collectors and culinary enthusiasts continue to enjoy buying and collecting cookbooks. But the rest of us home chefs can dive into an electronic ocean of recipes and culinary knowledge for free.

10. EBooks

The world of e-books is available for free. Your tax dollars have already paid the bill by helping maintain your city or county public library.

You may be interested in: top New York news, stories of our immigrants, and helpful tips about life in the Big Apple - read it all on ForumDaily New York.

Membership is free and usually gives you access to not only physical books, including interlibrary loans from other collections, but also huge catalogs of e-books for adults and children.

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