In this day and age, we all need to figure out way to make our money work harder for us. For some, that just means stretching things a bit further. Others with more mature finances may be looking to optimize their portfolios and strengthen their positions in a range of areas.

No matter where you fall on the spectrum, one thing is clear: today’s online tools are very powerful and can greatly help you manage your money.

In the digital world, there are many different ways to improve your financial management, education, and security. It’s a deep well of opportunity, and pursuing these avenues will help you — in the short term and for the long haul.

1. Use Powerful Tools

We are living in incredible times. Anyone who wanted to get serious about managing their money in the 1990s or before mostly had to rely on pen and paper. Maybe they could set up some spreadsheets, but by and large it was a manual, tedious, time-consuming process.

You now have the entire digital world at your disposal, and it is full of incredible tools. You can create, track, and manage budgets in minutes. You can check, monitor, and simulate changes to your credit score. You can make adjustments to your asset allocations, 401K, and other investments. Or you can use apps like Mint that give you almost everything in one package.

Now, technology can’t do everything for you. The hard work and discipline it takes to get ahead will always be up to you. But you would be a fool to not keep searching for the best digital tools available.

2. Never Stop Learning

The other great power of the internet is information. As dated as the term sounds now, there’s a reason that it was once called the “information superhighway.” These days, you could spend an entire lifetime sifting through all the information, insight, and perspectives.

The best plan is to seek out the best info and try to keep expanding your knowledge. This goes for overall investment strategies and approaches as well as just diving in deep on certain companies, investments, and ways of managing your money.

There is some downside here as well, however. Some of what you will find is simply rubbish, and there will be a never-ending stream of people hawking faulty info if you look in the wrong places. The key is to be careful and make sure you’re pursuing good sources. Don’t fall for con men and fanciful promises. Stick with solid, proven strategies and keep searching for new — reliable — sources that help you continue down the right path.

3. Stay Protected

Compared to a few decades ago, most people are now pretty comfortable making purchases online. Maybe too comfortable in some cases. Almost everyone now saves their credit cards in their web browsers and has financial information stored with any number of digital merchants, credit card providers, streaming services, and on and on.

You don’t need to necessarily delete everything, but you must do more to stay safe in our modern word. Some of this is just common sense. Use strong passwords. Don’t browse sketchy websites or download strange files. Be careful about clicking on anything in a suspicious email.

Then, you should take proactive steps that will help in case your info becomes part of a data breach or is otherwise compromised. There are various ways to stay more secure, like identity theft protection. Available for a very affordable price — and even less with a discount code for LifeLock — this offers real peace of mind for anyone getting serious about managing their finances.

Managing Your Finances Online the Smart Way

It is important to have a financial game plan in place. This will keep you on the right path — or help you get back on track when things go sideways.

When it comes to managing your finances online, there are so many options. To do it best, rely on powerful apps and tools, never stop looking for good info from credible sources, and look for ways to protect your money against identity theft and other cyberthreats.

Just by taking these three easy steps, you can start to better manage your money online today. This alone won’t make you a millionaire overnight, but it will start to empower you to make better decisions and begin watching your money grow.