We all know about Black Friday: the insanity of all night shopping; the ridiculously long lines; the intensity of deal crazed crowds.  I just can’t make myself be a part of it.  Would I rather I resign myself to paying full price or sit passively by hoping for another sale? No. I’ve got another method in mind for cashing in on those amazing deals, a method so simple and easy I don’t even have to leave my house!

Introducing….CYBER MONDAY! I personally do most of my shopping this day in the comfort of my home. That's right, in my warm, cozy pajamas I manage to score some fantastic deals.

What is Cyber Monday?

Cyber Monday is the Monday immediately following Black Friday. It was created by major companies to persuade consumers to shop online. Since 2005 it has become one of the biggest online shopping days.

But even with the ease of shopping and the incredibly great deals to be found online, people still avoid purchasing on the Internet.  So here are a few things to look for to ease those online jitters.

How to Safeguard Your Online Purchases

  • Look for the "S" for security. Always make sure the sites you are shopping on are secure and have "https:" in the URL of the page that asks for your credit card information. The "s" ensures security. You may also see a locked padlock icon like this
     on the address bar or on the bottom right corner of the webpage.
  • Always keep your security software updated. Security software companies work hard to stay one step ahead of the bad guys. So keeping your software updated will always benefit you. You can download this anti-virus software from AVG for free, along with the AVG LinkScanner to detect a bad page before you click it.
  • Be sure to keep your information private. Create a separate email account that is just for shopping and don't affiliate it with your personal email account. Mixing up your passwords is always a good idea. I know sometimes it can be difficult to keep track of them, but take it from someone who was once a victim of identity theft. If I had followed these simple tips back then, it may not have happened to me.
  • Use a credit card instead of a debit card. By using a credit card you will be protected by the Fair Credit Billing Act. This law allows you to dispute charges under certain circumstances and temporarily withhold payment while the creditor investigates them.
  • Keep good records. Print or save your records of your online purchases. Read your credit card statements as you receive them, and always look out for charges you don't recognize.

Now that you have all the tools to shop safely on Cyber Monday you can rest easy knowing you will get the best deals and have all your purchases safeguarded.

This has been a guest post by Jackie from Clifton, NY
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