Pricing, financing, warranties, insurance–it’s one hurdle after another to make it through the car shopping experience without paying a dime more than you must.

Sometimes, it’s not the dealer or the bank that costs you extra money. It’s you. By ordering optional features that don’t add much to the driving experience–or worse, interfere with it–and don’t hold their value over time, many car shoppers end up with a car more expensive than it should be, one that depreciates even more quickly the minute they sign the paperwork and leave the dealer lot. That’s money that could go directly to paying off that new car, truck, or crossover sooner.

Wondering if you’re spending too much? You might be, if you’ve ticked the boxes for these unnecessary features:  expensive navigation systems (your smart phone has that app already), entertainment systems (your laptop, iPad and portable devices have your stuff already on them) and CD players (you can probably hook up your MP3 player).

read this article for the full list.