Today’s post is inspired by the awesome 7 Financial Hacks to Avoid from The Free Financial Advisor (also known as Average Joe’s Money Blog) and the beyond generic and boring 29 Ways You Waste Cash article from MSN Money. I am so tired of the same old advice on how to save money. What about those of us who already cut cable and don’t have a morning latte? At the same time, most of us cannotread more…