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Another worker, Jonathan Amerikaner, said "I do 90 percent of my shopping online".

Fifty-seven percent of consumers will shop online, according to the National Retail Federation Holiday Spending Survey.

Cyber Monday is a second chance for customers to buy the flawless gift if they didn't get it on Black Friday, but customers need to stay alert for any hazards that might appear online. This phishing activity of Locky Ransomware accounted for more than 45% of all spamming activity that was monitored by IBM X-Force. Fake websites may look just like the real ones so part of it is common sense, part of it is, particularly today, taking a step back and just making sure that it's a legitimate website.

If you didn't ask for the deal in your emails or text messages, it may be too go to be true. Promo codes from untrusted sources require caution. If you arrived at the site via a link someone emailed, texted or messaged to you, don't click.

- Make sure you are not on a copycat website.

One of their biggest tips, only use one credit card for online purchases. A debit card provides less protection than credit if you do fall guilty to a scam. If you're shopping with an unfamiliar retailer, visit bbb.org to read customer reviews and learn more about previous customers' experiences. Instead, create a unique passphrase for each website you shop on, for example, something like "longpassword123". That way the card isn't connected to your checking account.

SHUTTERSTOCK•KASPARS GRINVALDS    
     SAFEGUARD Register your cards with Verified by Visa or Master Card Secure Code
SHUTTERSTOCK•KASPARS GRINVALDS SAFEGUARD Register your cards with Verified by Visa or Master Card Secure Code

Shopping From The Office? Merchants and online retailers vying for your online purchases will do all they can to show you that they are trustworthy and safe to use. This applies to desktop computers, laptops, tablets, and mobiles - if you surf the web on a device that is not upgraded you will inevitably be at risk of cyber attack and fraud.

Also, be careful when downloading apps from unofficial sources. Never wire money to someone you don't know. It might be fraudulent.

Check a site's security settings before entering financial data, such as a credit card number. Try to purchase gift cards from behind store counters, and check preloaded cards to ensure they're still loaded.

But there are ways to protect yourself. But if you don't shop smart, you're likely to get into some trouble. Don't click on any links or open any attachments that seem suspicious.

So what can you do to keep your hard-earned cash safe? Experts think there might be a flood of them next month. IBM Security suggests that a passphrase should be something like "longpassword123".

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