Holidays are great, but once you start adding up the expenses, it can be a bit financially stressful. With a few smart decisions, you can make your travels less of a burden on the wallet.
Try not to pay with credit cards
Paying via cash or a debit card helps you avoid the currency conversion rates used by the credit cards companies, which may not be very favorable. Also, avoid credit card cash advances. There will be transaction fees involved, and cash advances have extremely high interest rates.
Avoid withdrawing cash overseas
If your ATM card is linked to overseas networks such as CIRRUS or PLUS, you have that option, but you will also be charged per withdrawal. Try you best to estimate the cash you need, and bring it with you on your trip.
Try to change your money before you leave
Avoid using hotels and airports at all costs – because of their convenience, their exchange rates are usually the highest at these places. If you can, go to a few money changers to compare rates to get the best deal.
Do your research
Visit travel sites like 43places where online communities are more than willing to help you get the most out of your trip. Cheap accommodation can easily be found online as well. Spend a few minutes planning ahead online, and it will save you a bundle.
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