1. Learn what a scam is: when someone tricks you into giving away money, personal information, or account details using fake messages, websites, or calls. 2. Understand phishing emails: these pretend to be from trusted companies and may say things like “Your account is locked.” Look out for weird email addresses, bad grammar, or urgent requests. Scammers try to sound urgent and make it a matter of time or something bad will happen, they do this so you have no time to question it, or talk it over with anyone. 3. Recognise scam text messages: often claiming things like missed parcel deliveries or payments. They usually include suspicious links and use names like Royal Mail or HMRC to sound real. Check if it comes from someones personal number. 4. Spot social media scams: these include fake giveaways, messages from hacked friends, or “investment” offers. If it sounds too good to be true, it probably is. 5. Be aware of fake job offers: scammers post fake listings to steal your details or money. They may use the name of a real company but have strange email addresses or ask for upfront payments. 6. Check links and email addresses because scammers use tricky spellings or fake domains like “amaz0n.co.uk.” Always double-check the full web address or sender’s email. 7. Always double check who you are speaking to over the phone, scammers avoid giving details about who they are. 8. Learn the signs of fake websites as these may look real but often have spelling errors, low-quality logos, or ask for your card details too early. 9. Check the sender properly by tapping the email or message sender to see the full address. If it looks suspicious or messy, it’s likely a scam. 10. Don’t give personal info - no real company will ask for your bank PIN, password, or full card number by text or email. 11. Don’t click suspicious links; if in doubt, go directly to the official website or app. 12. Report scams and forward suspicious texts to 7726, and report emails to your provider or bank. You can also report online via Action Fraud. 13. Block and delete - press and hold on a scam message to block the number and remove it from your inbox. 14. Use strong passwords and avoid common ones like “123456” and use a different password for each account. 15. Turn on two-factor authentication as this adds extra protection by asking for a code before you log in. 16. Keep your device updated. The regular updates include security fixes that help protect you. 17. Check your accounts often so you can spot suspicious payments or logins early by reviewing your bank and email accounts. 18. Trust your gut, if something feels strange, don’t interact with it until you’ve double-checked. 19. Talk about scams - let friends or family know what you’ve learned so they can stay safe too. 20. Stay alert as scammers change their tactics often, so keep learning and stay cautious online.