Don't try to do this online

Even good sites may have certain tools that aren't so hot. Some sites may make you poorer. And sometimes the problem is you.

2 of 9

Looking for a job

• The 20 best money Web sites

Don't: Limit your search to job-posting sites such as CareerBuilder.com.

Employers filled only 4% of their open positions through CareerBuilder (one of the nation's largest such sites) in 2008, according to staffing strategy firm CareerXroads.

Instead: Network: 27% of external hires are found through referrals.

NEXT: Comparison shopping for cars

Last updated February 22 2010: 6:17 PM ET

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