We all spend money on stuff we don't need, from top-of-the-line appliances with features we'll never use to designer clothing we'll rarely wear. But there's a big difference between splurging on luxuries and throwing away money on products and services that are worthless or unnecessary—or that you could get for free. Here are some of them and why they're a waste of money.

Read our complete list of 65 Things You (Probably) Shouldn't Pay For on Checkbook.org.