Be a Smart and Safe Shopper

Dec 21, 2015

MoneyLife100The holiday shopping season is in full swing. Though it is a season of cheer, shoppers should not neglect their basic safety when shopping. When thinking about being smart and safe when shopping, one should know various ways in which safety of the person, of money/credit cards/identity, and of gifts can be improved. The Pennsylvania Institute of CPAs offers the following tips on being smart, safe shoppers.

Personal Safety

Safety of the person is the most important priority when holiday shopping. When shopping in person, several common sense precautions can be identified:

  • Shop during the daytime — with a companion, if possible — in an area in which a car can be parked close by. You should wear clothes that will not bring attention to one’s self in terms of socio-economic status or political/religious views. For example, do not wear expensive jewelry. As always, be aware of your surroundings.
  • If shopping at night, it is even more important to shop with a companion and to find a well-lighted area for both shopping and parking.
  • If shopping with children, teens, or an adult companion, ensure they have a cell phone to contact you if they get separated, or set an agreed-upon meeting place if everyone wishes to shop on their own.
  • If you see an unattended bag, report it to store management or to security personnel if available. 
  • Avoid making small talk with strangers who may appear overly friendly or inquisitive.
Certainly, shopping online physically removes you from the lines of busy shopping areas and the craziness of vast parking lots, but it does carry other risks, such as identity theft, which will be discussed below.

Money/Credit Cards/Identity

While shopping online in the comfort of a home protects both personal safety and actual cash money, you will need to provide a credit or debit card number. The following are some suggestions for protecting both your cards and your identity:

  • Do not respond to unsolicited phishing e-mails that require entering personal data, especially credit card number and/or Social Security numbers before purchase.
  • Only shop at websites of well-established retailers, as they will have the best internet security and encryption. Obviously no entity is immune from hackers, as demonstrated by last year’s hackings of personal information at Target (40 million credit card numbers stolen in December 2013), and the U.S. Department of Personnel Management (21.5 million federal employees personal information stolen in 2015).
  • Only shop online from home. Public Wi-Fi may not have the best encryption.
When shopping in stores, it is best to not bring large amounts of cash, which can be stolen along with a purse or wallet. This would require, however, that you use a credit or debit card. It is important that when you provide the card to the merchant, make sure no one is standing by your side to see the card number, and that the sales clerk is not studying the card too long to try to memorize the card number. Always take your receipt. Checking online periodically to see your charges for each credit or debit card used during the holiday period will help determine if any unauthorized purchases have been made.

When shopping in stores, it is important to remain vigilant and to not lose or have stolen pocketbooks or wallets that may contain credit/debit cards, cash, etc. This can easily occur due to the distracting activities of the shopping crowd. Men should place wallets in the front pocket to deter pickpockets, and women may select smaller purses that are easier to carry.  


Gifts can easily be stolen or misplaced when shopping in stores. Here are some tips to prevent unwanted loss:

  • Do not buy so much that you cannot easily carry your purchases. One tip is to consolidate gifts and receipts into one bag. Smaller, more expensive gifts such as jewelry may be especially prone to loss or theft. When shopping with a companion, he or she can bring the car up to the door to prevent safety issues in navigating the parking lot, especially at night.
  • Sometimes people forget items at the cash register in the bustle of the season, so it is important to check your bags before leaving the register to ensure that you have everything.
The key to safety in shopping during the holiday season is to plan ahead, use only well-known, trusted, and established stores or websites. Be vigilant of your surroundings and your actions, and use a dose of common sense.

One more word of caution: be sure to track the purchases you make on your credit card so that to don’t ruin your budget in the coming year. CPAs offer money management tips all year long at

The Pennsylvania Institute of Certified Public Accountants (PICPA) is a premiere statewide association of more than 22,000 members working in public accounting, industry, government, and education. Founded in 1897, the PICPA is the second-oldest state CPA organization in the United States.

Money & Life Tips are a joint effort of the AICPA and the Pennsylvania Institute of Certified Public Accountants (PICPA), as part of the profession’s nationwide 360 Degrees of Financial Literacy program.