Cyber Safety and Savings

Military families, especially those stationed overseas will order more items online this year than ever before. A recent report from the U.S. Census Bureau of the Department of Commerce estimated that 87.5 billion will be spend on retail e-commerce sales. Whether you are buying online or on your phone, it’s important to take extra steps to stay safe from cyber criminals while you shop.Dollar bills image courtesy of U S Navy

Here are a few items to keep in mind when you shop, not only for military families, but for everyone:

  • Convenience Can be Costly – I know that when I shop at Bed, Bath and Beyond or Amazon, I like to save my credit card information so that I can use it more conveniently the next time I shop. However, allowing a retailer to keep your credit card information can be a security risk. So keep your info to yourself and enter every time you shop rather than saving it on the site.
  • Check Your Statements – In an effort to go green, many of you may have elected to have paperless delivery for credit card and bank statements. It’s important to review those statements each month to check that all the charges are accurate. Even a small discrepancy could indicate a larger problem.Amazon Books logo
  • Say “No” to Public and Free Wi-Fi – Criminals love to hack into your connection and steal your info. So while you can use free wi-fi to surf the web or check your email, don’t use it to purchase items where you have enter your credit card or bank information.
  • Be Diligent With Passwords – It’s a lot easier to repeat the same password over and over with different online accounts, but it also sets you up to be a victim of fraud if your information is compromised in a security breach. So create new passwords and emails to associate with different accounts. I use the Dashlane app to generate secure passwords and remember them for me.
  • Speaking of Passwords, Set One On your Phone – I was at a Starbucks recently, prepping my coffee at the creamer bar when I saw that someone left their phone. A couple had just left that area and walked out so I grabbed the phone and ran after them. When I caught up with them and gave them the phone, the man was so excited, he looked as if I had just given him the Publisher’s Clearinghouse prize. Even though our phones are usually in our hands or within arm’s reach, who of us hasn’t experienced the panic of thinking we lost it or left it somewhere. So set a password or touch ID on your phone and change it every couple of months.
  • Don’t Click Through on Emails – I opted in to get certain notifications from retailers of deals, coupons and special offers. Cyber thieves know this and regularly send our pfshing emails for major retailer like Amazon, Wal-Mart, Sam’s and Walgreens. Never click through on an email’s special offer. Instead, capture any coupon code information, then go to your browser and enter the website address directly.

What ways do you use to stay safe online? Share your ideas with me and let me know how stay safe online and when shopping on your phone.

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