Free Negative Keywords List
To avoid paying for irrelevant traffic the best you can on both Google Ads and Bing Ads you will need to add negative keywords to your accounts.
These can be done at Campaign or Ad Group level, Account-wide or a combination of all three.
To help get you started, please find a copy of negative keywords that will cover most clients: Google Sheets.
You’ll also want to use Google’s Keyword Planner and Search Term reports to get more client-specific negative keywords but this list should be a good start.