Not that into paying? Another option is to create an e-mail account that's linked to just your most sensitive online accounts -- financial accounts, namely -- and don't use it for anything else. The fewer ways that criminals can link your various accounts to build a profile of you, the better. Having a separate e-mail account makes it harder for criminals to connect the dots they need to crack security questions, like those that ask for your maiden name or your pets' name. So maybe they won't figure out that the Judy Smith whose banking password they just obtained is the same as the Judy Smith who lists her maiden name and pets' names in her Facebook profile.