Creating a unique and strong password for every account is not a job for a human. That why you use a password manager. Several very good password managers are free, and it takes little time to start using one. For-pay password managers generally offer more features, however.

When you use a password manager, the only password you need to remember is the master password that locks the password manager itself. When unlocked, the password manager logs you into your online accounts automatically. That not only helps keep you safer, but also increases your efficiency and productivity. You no longer spend time typing your logins, or dealing with the time-consuming frustration of resetting a forgotten password.

4. Get a VPN and Use It

Any time you connect to the Internet using a Wi-Fi network that you don’t know, you should use a virtual private network, or VPN. Say you go to a coffee shop and connect to a free Wi-Fi network. You don’t know anything about the security of that connection. It’s possible that someone else on that network, without you knowing, could start looking through or stealing the files and data sent from your laptop or mobile device. A VPN encrypts your internet traffic, routing it though a server owned by the VPN company. That means nobody, not even the owner of the free Wi-Fi network, can snoop on your data.

Using a VPN also hides your IP address. Advertisers and trackers looking to identify or geolocate you via that IP address will instead see the VPN company’s address. Spoofing your location using a VPN server in another country can also serve to unlock content that’s not available in your own region. On a more serious note, journalists and activists in repressive countries have long used VPN technology to communicate securely.

The upshot is that if you connect via Wi-Fi—whether it’s on an laptop, phone or tablet—you really need a VPN. If you’ve never used one before, or the technology sounds a bit beyond your internet savvy, don’t worry, we’ve got covered with our feature on how to set up and use a VPN.

5. Use Two-Factor Authentication

Two-factor authentication can be a pain, but it absolutely makes your accounts more secure. Two-factor authentication means you need to pass another layer of authentication, not just a username and password, to get into your accounts. If the data or personal information in an account is sensitive or valuable, and the account offers two-factor authentication, you should enable it. Gmail, Evernote, and Dropbox are a few examples of online services that offer two-factor authentication.

Two-factor authentication verifies your identity using at least two different forms of authentication: something you are, something you have, or something you know. Something you know is the password, naturally. Something you are could mean authentication using a fingerprint, or facial recognition. Something you have could be your mobile phone. You might be asked to enter a code sent via text, or tap a confirmation button on a mobile app. Something you have could also be a physical Security Key; Google and Microsoft have announced a push toward this kind of authentication.

If you just use a password for authentication, anyone who learns that password owns your account. With two-factor authentication enabled, the password alone is useless. Most password managers support two-factor, though some only require it when they detect a connection from a new device. Enabling two-factor authentication for your password manager is a must.

6. Use Passcodes Even When They Are Optional

Apply a passcode lock wherever available, even if it’s optional. Think of all the personal data and connections on your smartphone. Going without a passcode lock is unthinkable.

Many smartphones offer a four-digit PIN by default. Don’t settle for that. Use biometric authentication when available, and set a strong passcode, not a stupid four-digit PIN. Remember, even when you use Touch ID or equivalent, you can still authenticate with the passcode, so it needs to be strong.

Modern iOS devices offer a six-digit option; ignore it. Go to Settings > Touch ID & Passcode and select Change Passcode (or Add Passcode if you don’t have one). Enter your old passcode, if needed. On the screen to enter the new code, choose Custom Alphanumeric Code. Enter a strong password, then record it as a secure note in your password manager.

Different Android devices offer different paths to setting a strong passcode. Find the Screen Lock settings on your device, enter your old PIN, and choose Password (if available). As with the iOS device, add a strong password and record it as a secure note.

7. Pay With Your Smartphone

The system of credit card use is outdated and not very secure at all. That’s not your fault, but there is something you can do about it. Instead of whipping out the old credit card, use Apple Pay or an Android equivalent everywhere you can. There are tons of choices when it comes to apps. In fact, we have an entire roundup of mobile payment apps.

Setting up your smartphone as a payment device is typically a simple process. It usually starts with snapping a picture of the credit card that you’ll use to back up your app-based payments. And setup pretty much ends there; you’re ready.

Point-of-sale terminals that support smartphone-based payment usually indicate the fact with an icon, from a picture of a hand holding a smartphone to a stylized representation of a radio wave. Just place your device on the terminal, authenticate with a thumbprint, and you’ve paid up.

How is that better than using the credit card itself? The app generates a one-use authentication code, good for the current transaction only. Even if someone filched that code, it wouldn’t do them any good. And paying with a smartphone app completely eliminates the possibility of data theft by a credit card skimmer.

Some smartphone payment apps let you pay online with a similar one-time code. If yours doesn’t, check with your credit card provider. Bank of America, for example, has a program called ShopSafe that works like this: You log into your account, generate a 16-digit number as well as a security code and “on-card” expiry date, and then you set a time for when you want all those digits to expire. You use the new temporary numbers in place of your real credit card when you shop online, and the charges go to your regular account. The temporary card number will not work again after it expires. Other banks offer similar services. The next time your credit card company or bank calls you to try and sell you upgrades, ask about one-time use card numbers.

You can also get the protection of one-use credit card numbers using third-party apps. Abine Blur, for example, can mask credit card numbers, email addresses, and phone numbers. You shop and communicate as always, but the merchant doesn’t receive your actual information.

8. Use Different Email Addresses for Different Kinds of Accounts

People who are both highly organized and methodical about their security often use different email addresses for different purposes, to keep the online identities associated with them separate. If a phishing email claiming to be from your bank comes to the account you use only for social media, you know it’s fake.

Consider maintaining one email address dedicated to signing up for apps that you want to try, but which might have questionable security, or which might spam you with promotional messages. After you’ve vetted a service or app, sign up using one of your permanent email accounts. If the dedicated account starts to get spam, close it, and create a new one. This is a do-it-yourself version of the masked emails you get from Abine Blur and other disposable email account services.

Many sites equate your email address with your username, but some let you select your own username. Consider using a different username every time—hey, your password manager remembers it! Now anyone trying to get into your account must guess both the username and the password.

9. Clear Your Cache

Never underestimate how much your browser’s cache knows about you. Saved cookies, saved searches, and Web history could point to home address, family information, and other personal data.

To better protect that information that may be lurking in your Web history, be sure to delete browser cookies and clear your browser history on a regular basis. It’s easy. In Chrome, Edge, Firefox, Internet Explorer, or Opera, simply press Ctrl+Shift+Del to bring up a dialog that lets you choose which elements of browser data you want to clear.

Deleting cookies may cause trouble for some websites—you may lose any personalization you’ve applied. Most browsers let you list favorite websites whose cookies shouldn’t be tossed.

For a complete guide to getting started, you can read our feature on how to clear your cache in any browser.

10. Turn Off the ‘Save Password’ Feature in Browsers

Speaking of what your browser may know about you, most browsers include a built-in password management solution. We at PCMag don’t recommend them, however. We feel it’s best to leave password protection to the experts who make password managers.

Think about this. When you install a third-party password manager, it typically offers to import your password from the browser’s storage. If the password manager can do that, you can be sure some malicious software can do the same. In addition, keeping your passwords in a single, central password manager lets you use them across all browsers and devices.

11. Don’t Fall Prey to Click Bait

Part of securing your online life is being smart about what you click. Click bait doesn’t just refer to cat compilation videos and catchy headlines. It can also comprise links in email, messaging apps, and on Facebook. Phishing links masquerade as secure websites, hoping to trick you into giving them your credentials. Drive-by download pages can cause malware to automatically download and infect your device.

Don’t click links in emails or text messages, unless they come from a source you’re sure of. Even then, be cautious; your trusted source might have been compromised, or the message might be a fake. The same goes for links on social media sites, even in posts that seem to be from your friends. If a post seems unlike the style of your social media buddy, it could be a hack.

12. Protect Your Social Media Privacy

The Facebook Data harvested by Cambridge Analytics has security wonks in a tizzy. If you were smart enough to refrain from loading the app in question, the researchers didn’t receive your personal data directly, but they may have gotten some details through your less-cautious friends.

You can download your Facebook data to see just what the social media giant knows about you. It may be quite an eye-opener, especially if you’re the kind of person who routinely clicks on quizzes that require access to your social media account. Really, you don’t need to know which Marvel universe hero (or villain) you are.

You can drastically reduce the amount of data going to Facebook by disabling the sharing platform entirely. Once you do, your friends can no longer leak your personal data. You can’t lose data to apps, because you can’t use apps. And you can’t use Facebook to log into other websites (which was always a bad idea).

Of course, other social media sites need attention too. Google probably knows more about you than Facebook, so take steps to manage your Google privacy, too. Make sure you’ve configured each social media site so that your posts aren’t public (well, all except Twitter). Think twice before revealing too much in a post, since your friends might share it with others. With care you can retain your privacy without losing the entertainment and connections of social media.