The new year is the perfect time to reassess your budgets and financial habits and make new goals for yourself. Whether it’s improving your budgeting, saving a little bit more, or getting started with investing, achieving your financial goals will make so many other goals possible—the next family vacation, higher education, paying for a wedding, or whatever you’re hoping the next few years will hold.

Well, that depends on a few things. It may mean you have additional buying power, or that it could make sense to refinance your current home loan. But before we get into how you could be affected by the 2023 conforming loan limit, let’s talk more about exactly what it is.

In the US alone, there are 2.1 million online retailers. It can be overwhelming to decide what to buy, much less to distinguish what retailers you can trust. But shopping online is a great way to avoid the crowds, browse for Christmas presents, and update your cold-weather wardrobe without leaving the warmth of your home—and you can do it safely. Check out the following steps you can take to protect yourself and your money online.