* Purchase either a neck pouch or money belt to wear when shopping. Carry the minimum amount of items such as car keys, license, cash and/or credit card.

There are a myriad of thieves who scour the stores just waiting for some unsuspecting man or woman to turn away, or bump into them to steal their wallet or the wallet out of their purse. Working in teams, they pass the item to an accomplice and its gone before you blink. Yes, they are that good!

By not bringing a purse or pocketbook, you are protecting not only the cash on hand but your personal information as well. Imagine if your purse was stolen and inside were your credit card, cash, license, even a copy of your social security number. The damage this can do to your financial life is immeasurable.

During the holidays, carry as little with you as possible. Try not to make it any easier for the thieves to carry out their plans using you as their victim.

* Always be aware of people around you. If you take money out of the ATM machines, cup one hand over the keyboard as you type in your account number. Check to make sure no one is standing behind you with a cell phone. This is how they steal your account number, by taking pictures as you punch in the numbers. One trick they have been know to do is ask if $10 is yours on the floor, at the moment your card is about to pop out. You take the money they take your card, having already watched you enter your pin number.

* If you are shopping during the peak holiday season, plan your route within each department of the store. Check out, beforehand, where the items are located and buy just those items and leave. Don't stop to browse or look for items not on your list.

In the old days, our grandparents used to carry cash in a little pouch and use a safety pin to attach it to the inside of their clothing. Perhaps this is where the pouch belts used today first originated.

While it's a sad commentary on our society that we have to stay ever vigilant during certain times of the year, it is nonetheless important to safeguard your cash, possessions, and your person.