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Don’t run your AC with a wet filter. It can cause your AC to work too hard, which will run up your utility bill and cause extra wear and tear on the system. You could also spread moisture and mold throughout your house. Turn off the AC, remove the wet filter, and check for cracks or clogs. Fix the problem (with a pro’s help, if you need it), and put a dry filter in place before you turn the system back on.

The best way to save money on HVAC repairs is by regularly having your system inspected and maintained. This can prevent bigger problems and costly repairs and replacements in the future. It’s also smart to buy quality equipment and hire companies that provide warranties on equipment and labor. If you need repairs, you may be able to save money by cashing in on rebates and incentives or keeping the area around your HVAC unit clear to shorten the time your contractor needs to spend in your home.

While you can run your HVAC system without an air filter, it isn’t something professionals recommend—especially not for an extended period. It can reduce indoor air quality, clog air ducts, and strain your system. This can lead to performance issues, higher energy bills, costly repairs, and a reduction in the system's lifespan.

In-home air purifiers really do work. However, their value depends on what you're trying to achieve. Mechanical air filters other than those with true HEPA filtration aren't capable of removing bacteria and viruses from the air. However, many of them can reduce very fine particles, including pollen, a known allergen. On the other hand, UV light filters can remove harmful pathogens but can't remove particles.