Security online is not a one-way street, therefore there is no single way to get into it successfully. Before getting into the techie parts of the process such as encryption and everything, do the basic first such as using complicated passwords, security questions, monitoring financial accounts, verifying attachment before clicking on it, and keeping your OS and anti-virus updated.
It also pays to be aware of current scams for you to learn how to avoid them. Be aware of and keep your information safe when using a credit or debit card by using a secured network. When purchasing online, use the secured website.
Source: e Week