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The beginning of the year is the ideal time to transfer debt from a high-interest card to a card with a lower annual percentage rate (APR).

"Credit card issuers know people overspend during the holidays and go into January in debt, so some of the best balance-transfer offers show up this month," explains Harzog.

And that vigilance has paid off, because this past weekend hackers walked away with roughly $1,800 from my account — and my bank did nothing to alert me or stop it. That somehow $1,800 would slip out of my account, under the radar from a financial institution that’s known to ring me when I buy subway passes from station vending machine.

But scammers are taking advantage of modern conveniences to rapidly drain and launder money, utilizing some of the places we commonly shop — online and offline. 4, when an email from entitled “Unusual Spending on Coffee Shops” hit my inbox.

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Mint, which I use as a budget and spending tracker, normally sends me annoying emails telling me I’m spending too much money on Chipotle.

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