The end of August is when your passwords are likely to be least secure - putting everything from your internet banking to your computer at work at risk, according to security experts.
Xoomworks have warned that when people are relaxing and clearing their head over the summer holidays, many of them clear just a little too much from their head, and forget their passwords. A quarter of people have forgotten their password after their holidays at some point in the past three years.
It means that when they return, they have to change all their passwords, both at work and at home, and this is where security issues creep in.
The security boffins interviewed people about the password resetting habits, and discovered that when people are trying to get back into the swing of things, they hate the inconvenience of having to set their password. They have to jump through so many hoops to get the job done, that by the time they get to the point of inputting a new one, they don't have the time or energy to come up with something clever.
To make matters worse, they have in the forefront of their mind that clever passwords are hard to remember, so 77% of them pick something that's 'significantly easier to remember'.
The company also discovered that 80% of people stick to the same memorable word or phrase for their password each time. They simply modify a letter or number of it each time they are asked to create a new password. On their return from holiday, they remember the stock word, but they forget the most recent modification. It means that they are more likely to revert to the unmodified word or phrase when they reset it.
It dramatically increases their chances of picking something that's easy to guess.
This reflects research by GCHQ, released in May. They said then that when people change their passwords: "The chances are that the new password will be similar to the old one. Attackers can exploit this weakness. The new password may have been used elsewhere, and attackers can exploit this too."
"The new password is also more likely to be written down, which represents another vulnerability. New passwords are also more likely to be forgotten, and this carries the productivity costs of users being locked out of their accounts, and service desks having to reset passwords."
Instead, of using the same word each time, your best bet is to have a phrase, and take the first letter from each word in that phrase - changing any letters that look like numbers, so that ''I had fried eggs on toast for breakfast becomes 1HF30TFB.
You can then keep a note that jogs your memory handy, like 'breakfast' or 'eggs', which won't help a hacker, but will ensure you can have a very different password for everything without forgetting it.
If you insist on having a memorable word, or chain of letters, then at least keep clear of the most common ones: 123456, 123456789, password, 101 and 12345678.
Victims of scams and fraud
Victims of scams and fraud
Susan Tollefsen, Britain's oldest first time mother, was scammed out of £160,000 by a fraudster she met on an online dating site. A man claiming to be an Italian gold and diamond dealer told her he was in the middle of a land deal but couldn't access cash. Tollefsen felt sorry for him and started wiring him money, eventually selling her jewellery, her flat and borrowing £32,000 from friends to give him. Read the full story here.
In March 2015 an American woman who was only identified as 'Sarah' went on the popular US television programme the Dr Phil Show to reveal she had sent $1.4 million to a man that she had never met. Although she was certain she wasn't being scammed, her cousin made her go on the programme because she was convinced it was a scam. Find out more about the story here.
Maggie Surridge employed Lee Slocombe to lay a £350 deck in her garden in March 2015. However Slocombe used a combination of lies to scam Surridge out of thousands of pounds. He told Surridge that the front and back walls were dangerous and needed rebuilding and also conned her into building a porch, all for the cost of £8,500. Read the full story here.
It's not just individuals who can be the victims of scams, big corporations can also fall foul of these fraudulent practices. In 2015 Claire Dunleavy repeatedly used a 7p 'reduced' sticker to get significant amounts of money off her shopping at an Asda store in Burslem, ending up with her paying just £15.66 for a shop that should have cost £69.02. Read the full story here.
Sylvia Kneller, 76, was conned out of £200,000 over the space of 56 years thanks to scam mail. The pensioner became addicted to responding to the fraudsters, convinced that she would one day win a fortune. Ms Kneller would receive letters claiming she had won large sums of money but she needed to send processing fees to claim her prize. Learn about the full story here.
Leslie Jubb, 103, became Britain's oldest scam victim in August last year when he was conned out of £60,000 after being sent an endless stream of catalogues promising prizes in return for purchasing overpriced goods. The extent of this con was discovered when Mr Jubb temporarily moved into a care home and his family discovered what he had lost. Find out more about this story here.
Stephen Cox won more than £100,000 on the National Lottery in 2003 but has been left with nothing after falling victim to two conmen. The 63-year-old was pressured into handing over £60,000 to the men who told him his roof needed fixing. They walked him into banks and building societies persuading him to part with £80,000 of cash while doing no work in return. See the full story here.
Last year the Metropolitan Police released CCTV footage of a woman who had £250 stolen at a cash machine in Dagenham. The scam involved two men distracting the woman at the machine, pressing the button for £250 then taking the money and running away. Read about the full story here.
Rebecca Ferguson shot to fame as a runner up on the X-Factor in 2010 but fell victim to a scam artist last year when someone she had believed to be a friend conned her out of £43,000. Rachel Taylor befriended the singer in 2012 and claimed to be a qualified accountant, so Ferguson allowed her to look after her finances. Instead of doing this Taylor stole £43,000 from the Liverpudlian singer. Read more here.
When Rebecca Lewis discovered her fiance had started a relationship with a woman he met online she packed her bags to leave. But that didn't stop her checking out the mystery woman, Rebecca quickly realised Paul Rusher's new love was actually part of a romance scam. She told Paul just before he sent the scammers £2,000 which was supposed to bring his new girlfriend to England. Find the full story here.