Congratulations on making it almost all the way through 2023! Now that holiday shopping is in full swing, we wanted to let you know about a few online shopping trends we've noticed and give a few tips about how to stay safe online while buying gifts for everyone on your list.

Generally, experts seem to believe that the average American is going to spend less this year – though pandemic restrictions have largely lifted, we've entered a new season of economic uncertainty. This means every dollar is even more important, which is why we want to help you protect your hard-earned cash from the scammers and hackers that pop up every year. It's like they don't care about the naughty list! Here is what we think is cheerful and what we think is coal-worthy for shopping online this holiday season: