It doesn’t take much time on the internet to see that financial tips are a dime a dozen. Everyone’s got advice on how you can make more and spend less.

Some of these tips can be useful, but there are also quite a few ideas that are just plain bad. After scouring the web, here’s the financial advice you should avoid at all costs, along with how you can rework it to actually help you.

1. Open your windows instead of using AC

It’s the money-saving tip courtesy of all the people who have never lived somewhere that gets above 80 degrees. Like the San Fernando Valley of Los Angeles, where I’ve seen it reach 116 degrees in the summer and where I probably would’ve died if it wasn’t for my AC.

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