That trickle doesn’t stop when you arrive at your destination; think of cell phone charges, bank fees, and housekeeping tips, to name a few. To avoid spending more than you have to, check out these 10 travel money mistakes to avoid.

1. Forgetting to Let Your Bank Know You’ll Be Traveling

Forgetting to call your bank before traveling abroad is a common error that even frequent international travelers make; it slips your mind until the plane touches down, and by then, it’s often too late. These days banks have almost zero lag time in noticing a debit or credit card being used abroad, so you will get shut down on pretty much your first swipe in a foreign country.

As banks have gotten more sophisticated about tracking card use locations, this can even be important for domestic travel, and most banks recommend that you let them know about those closer-to-home trips as well. Fraud detectors can be tripped if you’re suddenly using your card across the country, making more or different purchases than you usually do, or charging unexpectedly large amounts (such as a weeklong hotel stay).

Note that this applies to debit cards as well as credit cards. Most banks have a way for you to easily set a travel notification online. If your card has EMV chip technology, you may not need to notify your bank about travel—check with your credit card company if you’re unsure. 

2. Overlooking Bank and ATM Fees

While traveling internationally, each time you get cash, you will likely incur a fee of some kind. These can vary greatly depending on whether a large bank runs the ATM, if the bank is on your card’s network, and more. Remember that fees can change from year to year, so it’s worth checking before every trip. Try to plan ahead and pull out as much cash as you’ll need at once (if you can store it somewhere safe) so that you’re not hit with multiple fees. 

3. Failing to Make a Plan for Getting to Your Hotel From the Airport

That first taxi ride from the airport may be your most financially vulnerable moment of any trip—the time when you have no idea how far it is, what a fair price is for the ride, whether you have lower-cost alternatives such as a train or bus, or even whether your hotel has a free shuttle. It’s best to figure all of this out before your trip; when you arrive, you are tired, often without much cash, and carrying a ton of luggage. You don’t want to be fumbling around trying to figure all this out on the airport curb.

4. Forgetting to Add an International Roaming Plan for Your Phone

How much could a few texts, a bit of mapping, a few email checks, and a batch of social media updates cost per day? Plenty, it turns out—so be sure to purchase an international roaming plan that will cover you while you’re away. 

5. Forgetting to Research the Local Exchange Rate

Especially in the first several hours at your destination, having done a little research on the local exchange rate against your home currency can make a huge difference. Often, it takes a couple of days really to get a handle on how much things cost, but this can take even longer if you are traveling in an area where prices may not be so fixed as they are at home. Memorizing the exchange rate so you can do the math quickly in your head will help considerably. 

It can be helpful to make a note on your phone of common dollar amounts to quickly reference. For example, USD 1 = CAD 1.43, USD 5 = CAD 1.43. 

6. Bringing Traveler’s Checks

Barely anyone accepts them anymore, they’re not cheap, you have to invest a fair amount of time in obtaining and purchasing them, and credit cards give you a far better rate of exchange in most parts of the world. Skip ’em.

7. Assuming You Know How Much to Tip

Tipping customs vary immensely from place to place, and not knowing what’s appropriate can be both awkward and expensive.

Tipping practices can also vary from industry to industry as well; in Brazil, for example, a 10 percent tip is customary in a restaurant, but it might already be included, so you will want to check the bill. On a taxi ride, you just round up to the nearest one (or five if you are feeling generous) for most rides (so for a 13 reais taxi ride, you give 14 or 15 reais).

8. Tipping Your Housekeeper Only at the End of Your Stay

Many travelers will leave it until the end of a trip to tip the housekeepers (usually by leaving some cash on top of the bed); this can backfire. On any given stay, you might have a different housekeeper from one day to the next, and to be the fairest and to get the best treatment, it’s best to leave something each day. 

9. Leaving Your Valuables Unsecured

Shoving your wallet in your back pocket or your purse over your shoulder is such a natural and almost automatic action that almost all of us will do this at some point in our travels. It’s also the easiest way to get pickpocketed or ripped off, as these spots are both obvious to thieves and difficult to protect.

This doesn’t apply only to your wallet; you will want to secure anything that someone could grab quickly. On a recent trip to Rio, we got on a train to the legendary Maracana stadium for a game featuring the local futbol favorite Flamengo. It was rush hour, and the train was insanely packed; despite living for more than a decade in New York City and having taken countless trips around the world, I had never experienced anything like it. If there was ever an environment ripe for pickpocketing and unseen thefts, this was it. I had a backpack with sweatshirts and a camera inside,  so I looked around at how the locals were dealing with it and noticed that everyone had their backpacks and bags in front of them.

A button on your back pocket or an across-the-body bag instead of an over-the-shoulder purse can also help here; adding just a little bit of difficulty is often enough to inspire thieves to look for other victims.

10. Using Public Wi-Fi for Financial Transactions

You’ll want to avoid checking bank balances, making online payments, or entering financially sensitive passwords of any kind while using public internet or Wi-Fi networks. Occasionally, it’s unavoidable, and the number of hotel Wi-Fi systems with keystroke loggers installed by sophisticated hackers is extremely low—but it’s always a risk.

Note also that a hack doesn’t have to be an inside job—that is, a hotel employee or system installer—but can also be a fellow lodger who has hacked into the minimally protected (if at all) hotel Wi-Fi network.

Hopefully, by keeping your money on your mind just a little, these tips will help you keep your money in your bank account as well.

The post 10 Travel Money Mistakes to Avoid appeared first on SmarterTravel.

 
Having cash on hand is one of the most crucial yet overlooked aspects of international travel. While you might plan to withdraw money at your destination’s airport when you arrive, out-of-order ATMs and unexpected debit card issues can quickly derail those plans—especially after a long flight when you need cash for a taxi or bus to your hotel. 

 
That’s why securing local currency before your trip should be the first step in your international packing routine. By arriving with cash already in hand, you can skip the stress of hunting for a working ATM and focus on what matters most: starting your vacation. 

 
The Best Way to Get Cash Before Your Trip

When you’re running around trying to prepare for a big trip, the last thing you want to do is drive to the bank, wait in line, order currency, and then come back a few days later to get it. Most banks don’t keep currency in stock for same-day pick-up, so getting it through your regular bank can be arduous. (And, with the rise of online banking, do you even have a physical bank near you that can help you out?) 

 
Savvy travelers know there’s an easier way to get cash before your trip. Currency Exchange International (CXI) offers a hassle-free solution: order your foreign cash online and have it delivered to your doorstep the next day, or pick it up at one of 40 convenient CXI branch locations. CXI’s branch locations are open evenings and weekends, making it easy to pick up your cash in person. 

 
Another bonus of using CXI is the option to specify bill denominations. This might seem like a small detail, but it can make a big difference when you’re trying to pay for small expenses like a bus fare from the airport or tipping tour guides. No more awkward moments trying to break large bills for minor purchases in a new country. 

 
With over 80 foreign currencies in stock, CXI, the number one currency exchange provider in the U.S., has you covered whether you’re traveling to Europe, Mexico, Canada, or beyond. 

 
Why You Should Always Carry Cash When Traveling

Even if you’re used to paying for everything with a credit card at home, you should always have cash on hand when traveling. Not every place accepts cards, and many local businesses prefer cash payments, especially in remote areas or smaller towns where card acceptance may be limited. Here are a few scenarios where you’ll need cash while abroad: 

1. Tipping (meals, tour guides, photo ops, and more) 
2. Emergencies (we recommend keeping a separate stash of cash in your hotel room in case your cards get stolen or lost) 
3. Street vendors, street fairs, and small businesses that don’t accept cards or are willing to negotiate a deal 
4. Public restrooms (especially across Europe, you’ll find turnstiles at many public restrooms that require a coin to enter) 
5. Taxi rides 
6. Purchasing small items at places with a minimum credit card spend requirement 
7. Splitting bills among your group 

In addition, using cash can help you avoid ATM fees and get a better exchange rate while traveling abroad. 

 
How to Buy Currency Online
Ordering currency with CXI takes less than five minutes (we timed it!)  

Here’s how to do it: 

1. Visit CXI’s website and select your currency and delivery method 
2. View the exchange rate and choose if you want large bills or small bills 
3. Enter your payment and delivery information 

That’s it! Your currency will be safely delivered to your door with delivery as soon as the next day. 

The post The One Thing You Should Do Before Every International Trip appeared first on SmarterTravel.

You May Regret Being Cheap While Traveling

A cheap flight, inconveniently located hotel, or minuscule rental car may save you money, but they’ll likely still cost you plenty of regret and inconvenience. Want to avoid feeling the regret of being cheap when you travel? Then avoid these mistakes:

Waiting for the Shuttle to an Off-Airport Rental Car

You just survived a long flight and are ready to get to your final destination. Too bad you booked with a shady rental car company that’s located in an industrial area far from the airport. Now, instead of hopping in a car and driving off, you’re trekking to some forgotten corner of a far-off terminal and waiting for a rental car shuttle bus that may or may not come.

Getting up Before Dawn for an Early Flight

Hovering over the “book” button, you think to yourself, “I’m saving $50! I’m so frugal! I get up early for work every day, a 6:00 a.m. flight won’t be that bad!” Until the night before your flight when you’re calculating just how early you have to wake up to be at the airport in time … and realize that you’re going to be spending the first day of your vacation sleep-deprived. Plus, if you have to be up before public transit is running, you may end up spending what you saved on the flight to take a taxi to the airport.

Lying Awake at Night Listening to Your Hostel Roommates Snore

How bad can a 20-bed room in a hostel be? After all, you’ll only be there to sleep, so why bother spending more for a private room? If one of those 20 beds is booked by a loud snorer, a sleep-talker, or someone waking up early for a flight, pretty bad—and will defeat you being in there to sleep, since you won’t get any.

Settling Into the Middle Seat in the Back of the Plane

After spending too many hundreds of dollars on a bare-bones economy ticket, it can be hard to persuade yourself to give another penny to an airline. You’ll stuff everything into a small carry-on and be willing to board last… but when you settle into the non-reclining middle seat next to the bathroom, you will be cursing your past self for being cheap and not paying the fee to select your seat.

When Your Tiny Rental Car Might Not Make It

The economy rental car option seemed like a fine idea when you were looking at it on the website and trying to cut costs, but when your budget vehicle turns out to be comically toy-sized (especially compared to those semi trucks whizzing past you on the highway), you might start to have some regrets about being cheap. See also: that heart-stopping moment when you wonder if your car is actually going to make it up a hill/down that dirt road or if you’re going to figure out how roadside service works in a foreign destination.

Dragging Your Suitcase on Public Transit

Everyone on this packed train hates me, you’ll realize as you try to squeeze your way on with your suitcase while accidentally whacking a few commuters with your backpack. As you’re dragging your luggage up and down the stairs, through crowds, and off the train or bus, you’ll rue being cheap and not just splurging on a taxi.

Stressing Over Your Flight Connection

When you’re on the first leg of a plane journey with a tight connection, every minute your plane doesn’t board, or sits on the tarmac without taking off, feels like an eternity—the flight with the 50-minute layover was the cheapest option, but does that cost savings matter if you miss it?

Waiting in Line to Buy a Ticket Instead of Paying the Booking Fee

This ticket site wants how much to book admission in advance? I’ll wait and buy it at the window, you think… until you arrive at the attraction and discover everything is sold out, or that the line is hours long. Is being cheap worth wasting your precious vacation time standing in line? If it’s a Ticketmaster-esque ridiculous fee, it can be a tough decision.

When You Reach Hour Five on the Slow Ferry or Train

The slow ferry/bus/train won’t be that much worse than the express, you think. Imagine all the scenery I’ll see. That sounds like a great, cost-saving measure until you’re trapped on an excruciatingly slow form of transport, experiencing fatigue and pain from sitting for so long, and thinking of everything you’re missing by not arriving sooner.

The post 9 Times You’ll Regret Being Cheap When You Travel appeared first on SmarterTravel.

From navigating natural disasters to avoiding dangerous situations, these aren’t just clever shortcuts—they’re survival skills for the savvy traveler. Whether you’re backpacking through remote regions or staying at five-star hotels, these life-saving travel hacks could mean the difference between a close call and a catastrophe.

Display Vital Health Information on Your Phone

Certain smartphone apps let you display essential health information (such as severe allergies or medical conditions) right on your lock screen so doctors and first responders can see them even without your password or fingerprint. This is particularly useful for solo travelers who don’t have a companion to advocate for them. Such apps include the Health app on your iPhone and the Medical ID app for Android.

Stow Money in Your Shoe

One ageless and deeply analog tactic for getting out of a jam is to keep a $100 bill (or the local equivalent) in your shoe. If you’re pickpocketed, robbed, or lose your wallet, having an emergency cash stash can pay for your transportation to the police station or back to your hotel, where you can sort everything out. 

It’s best if the money is in the local currency, so when you first arrive in a new country, take a bill from your initial ATM withdrawal and stash it somewhere safe.

Split up Your Valuables

If you’re traveling with a friend, don’t have one person carry all the critical stuff such as passports, credit cards, cash, and hotel keys. If one person loses or is robbed of their backpack or purse, you don’t want to lose everything.

If you’re traveling alone, request two hotel keys, and put one in your wallet or purse and the other in your pocket or money belt. Split up cash and credit cards in a similar fashion, with some easily accessible and some hidden in a money belt or your hotel safe. This way, if you are robbed, you can hand over what appears to be everything you have and will hopefully be allowed to go safely on your way without being left without empty-handed.

Save Emergency Numbers in Your Contacts

While 911 is the emergency number in the U.S., it won’t work in many other countries. To help travelers find the correct phone number in other destinations, the U.S. State Department has a handy PDF list of emergency numbers by country. Note that many have different numbers for ambulance, fire, and police, so save all of them individually in your contacts.

In some situations, calling the emergency number might not be appropriate, so it’s also worth looking up and saving the non-emergency numbers of local law enforcement and your home country’s nearest embassy. U.S. citizens may also want to sign up for the Smart Traveler Enrollment Program (STEP) so the embassy can contact you in case of an emergency.

If you have an iPhone, there is an automated way to call the local emergency number. Simultaneously press and hold the side button and either volume button until the emergency sliders appear and the countdown on Emergency SOS ends, then release the buttons.

Alternatively, you can enable your iPhone to call emergency services when you rapidly press the side button five times in a row. To turn this feature on, go to Settings, Emergency SOS, and then turn on “Call with 5 Presses”.

Stay Between the Third and Sixth Floors

You probably choose your hotel room for its amenities or views, but you should also consider your safety. Don’t accept a room on the ground floor if you can avoid it. We recommend staying between the third and sixth floors, as these rooms are high enough to deter break-ins but low enough for fire engine ladders to reach.

Don’t Let Your Gas Tank Get Low

Keeping an eye on your gas tank will help you avoid running out of gas or having to fuel up in a questionable area. This is particularly important if you’re traveling in harsh environments such as deserts, remote areas, or extremely cold parts of the world, where being stranded without gas could quickly become life-threatening.

Use Caution When Drinking

Being in a foreign country where you don’t speak the language or know the local laws makes you vulnerable; don’t compound this by drinking to excess. Watch your drink being poured, don’t let it out of your sight, and don’t have more than one or two, especially if you’re traveling alone.

Be Willing to Spend When You Feel Unsafe

Everyone wants to save a few bucks when they travel, but it’s not worth your life. If you’re unsure of your surroundings or facing a long walk back to your hotel at night, don’t hesitate to spend extra money on a cab ride to get yourself to safety. The same goes for an Airbnb whose host makes you uncomfortable or a motel that’s in a worse neighborhood than you expected. Don’t stick around if your safety is at risk.

Follow Your Taxi or Carshare Route on a Mapping App

Keeping an eye on the route when you get into a rideshare can help you avoid getting lost or ending up in a sketchy area. If you sense trouble, call your emergency numbers and get out of the car if possible, preferably in a populated area where someone can help.

Have Your First Night’s Lodging Set

Over the years, I have pulled into towns with no plan for lodging; sometimes it went well, sometimes not so well. I can tell you that wandering around in an unfamiliar city with all your bags is not that fun—and could make you a target for thieves. Even if it’s expensive, have your first night’s stay nailed down whenever possible.

Manage Your Allergies

If you have any life-threatening allergies, make sure you learn how to say and spell the name of that item in the local language. You’ll also want to advertise your allergy somehow, perhaps by wearing a medical bracelet or carrying a food allergy card such as those from Select Wisely.

Update Friends and Family

It’s never been easier to keep friends and family updated on your location, and having someone at home know where you are supposed to be can be very useful in an emergency. Send quick texts or emails home noting the city, hotel, or attraction you are visiting so folks know where to find you if something happens.

The post 12 Life-Saving Travel Hacks for Your Next Trip appeared first on SmarterTravel.

Let Flight Deals Decide Your Destination

If you don’t have your heart set on a specific destination, you can save a ton of money by letting flight deals influence where you travel to. You’ll be able to fly for even cheaper if you can be flexible on the dates you travel as well.

Google Explore is a great tool for finding amazing flight deals across the globe. You can put in your home airport and travel dates (which can be specific dates or as broad as a “one week trip in the next six months”) and you’ll see a map showing cheap flights to a wide range of destinations. 

Explore Alternative Modes of Transportation

Flying may seem like the fastest way to travel between destinations, but when you factor in getting to and from the airport, waiting in security lines, and checking in, sometimes other modes of transportation can turn out to be quicker—and cheaper.

Before you book a flight to get to your next destination, check out Rome2rio. The site will show you all of the available options for transportation between two spots, including buses, ferries, flights, and driving. It’s especially useful if you’re looking to book a multi-destination trip. 

Pick Destinations Where the Dollar Goes Further

It’s easy to spend less when you travel somewhere where the dollar goes further. Fortunately, there’s an easy way to see how pricey a destination is before you travel. Known as the Big Mac Index, this list ranks countries by how cheap a standardized item is to purchase. The list uses McDonald’s Big Mac hamburger as the comparison item, as it’s something that’s available in almost every country in the world. 

Avoid Unnecessary Fees

Inflation is bad enough—don’t make your trip more expensive than it already is by paying foreign transaction fees. These are sneaky fees (up to 5% of the purchase price) that many banks and credit card companies charge consumers for using their credit or debit cards abroad to pay in foreign currency. 

There are plenty of options for cards that don’t charge foreign transaction fees (or even ATM fees), so be sure to use one when you travel—Capital One, for example, doesn’t have foreign transaction fees for any U.S.-issued credit cards.

Price Out the Whole Trip Before You Book

Find an amazing flight deal? Make sure you quickly check prices for your entire trip before you press “buy.” Any savings from the flight could be eaten up by the costs on the ground if you choose an expensive destination.

Price out the cost of a hotel, rental car (if needed), and average cost of meals to get a better idea of how much your trip will cost to be safe before you book anything non-refundable.  

The post 5 Money Saving Secrets for Travel appeared first on SmarterTravel.

When you travel a lot, it’s natural to develop habits that work for you. For me, the few days before a trip tend always to follow the same pattern: I review my itinerary, make a mental list of what I want to pack, plan accordingly, and make my bed before I leave the house. Unfortunately, I’ve also developed a few bad travel habits along the way.

Bad Travel Habits and How to Quit Them

One habit that’s proven particularly hard to break is refusing to splurge on cabs when I’ll be out all day. Because I try to walk everywhere to save money, my feet are the ones paying the price at the end of the day.

We’ve all got our bad travel habits, but the good news is that you can break them with a little bit of effort. Whether you’re a workaholic walker like me or a packing procrastinator, here are some ways to break even your most persistent bad behaviors.

Not Learning Basic Vocabulary

If you frequently land in a new country and realize you never learned how to say hello or thank you, you’re probably familiar with how silly it makes you feel. Learning new languages is difficult and might not seem worth it if you’re passing through many different countries or staying for a short amount of time, but knowing the basics can make all the difference when it comes to how comfortable you feel and how well you connect with local people.

Solution: Of course, there are plenty of language apps and tutorials you can use to learn a language, but there’s an easier solution if you don’t think you’ll have time to practice. Instead, make it a point to look up the basic words of the new language at least once before your trip and write them down. Keep them somewhere handy, like saved on a note on your phone, and when you get there, you’ll have them at your fingertips.

Booking at the Last Minute

You can tell yourself that you’re waiting for the prices to drop, but unless you’re very flexible, that can backfire: The longer you wait, the fewer options you’ll have. Whether you’re booking flights, accommodation, or a tour, you’re almost always better off booking well in advance and having everything organized before your trip.

Solution: If you still want to hold out for low rates, set a “book by” date for yourself at least a week or two before you leave for your trip. Consider it a self-imposed deadline and do whatever you need to do to hold yourself accountable. I like to schedule my personal deadlines into my calendar to make them feel more official.

Not Giving Yourself Enough Time to Pack

If you’ve got packing problems, it’s likely you’re a repeat procrastinator. This is one of the most common travel habits, and it can be tough to break when life is busy. If packing lists have no effect on you, there’s one thing you can do that you probably have to do anyway.

Solution: A few days before you leave, do your laundry. Instead of putting your clothes away in your closet, pack the fresh clothes right into your suitcase. Not only will this ensure that the clothes you wear most often are fresh and clean, but it will also help you get a start on planning your outfits before and during your trip. After you put in your first load, pull out your luggage and start researching the essential items for your destination.

Packing More Than You Need

If you’re a chronic overpacker, you’ve probably had your fair share of struggles with the check-in luggage scale and bags that just won’t close. You might think you need to take advantage of your airline’s full luggage allowance, but the truth is you shouldn’t be filling up your luggage just because you can.

Solution: Use a smaller suitcase. Consider how long you’ll be traveling and how many of your outfits can be reused, and then find luggage appropriately sized for the length of your trip. You’d be surprised how little you’ll need.

Not Splurging When You Should

This one varies from traveler to traveler, but everyone has that one thing they hate to spend money on. I’m very stubborn about paying for cabs or public transportation and often choose walking instead. The downside of this is that I’m often too tired to enjoy a night out, or I suffer from aching feet. For others, being too stubborn to spend might mean booking accommodation far from the center of town or missing out on a special food because it’s a little pricey.

Solution: Give yourself a budget to splurge. This small act of premeditation can make a huge difference in your travel experience. Knowing you’ll have a little money set aside to live a little will help you feel more comfortable spending spontaneously. Remember, this should be a set budget totally separate from your emergency fund to remove any guilt you might have.

Not Learning the Exchange Rate Ahead of Time

If this is one of your bad travel habits, you’ve probably wondered repeatedly if you’re paying a fair price whenever you’re confronted with a new currency.

Solution: Keep a currency exchange app on your phone. Take out all the uncertainty at the cash register by keeping a reference ready. What’s great about the apps is that they are constantly updating, which means you’ll always know the most recent rate.

Overbooking Yourself

Ever feel like you need a vacation after your vacation? It’s probably because you’re signing on for too much. When you’ve only got a set number of days somewhere, it’s tempting to try and do it all, but that’s no reason to treat your vacation like one long to-do list.

Solution: Make peace with not being able to see everything. And if you can’t do that, make a list, identify your priorities, and book only those priorities. Leave everything else up to the moment. Trust me: That cooking class probably won’t seem like such a good idea after you’ve actually completed the three-hour walking tour. 

Editor’s note: This story was originally published in 2017. It has been updated to reflect the most current information.

The post 7 Bad Travel Habits and How to Quit Them appeared first on SmarterTravel.

What Is Cancel For Any Reason Insurance?

Typically, the “any reason” coverage is in addition to the traditional coverage that is limited to “covered reasons” for cancellation enumerated in the policy.

Does CFAR Cost More?

Some insurers bundle it into some policies; others treat it as an add-on option. Either way, you pay more than you would for conventional coverage. On a sample trip that a middle-age couple might buy, with a total of $4500 in prepayments, for example, the base cost of the least expensive bundled policy was $220; with 75 percent cancel for any reason, the price increases to $370.

What Does CFAR Cover?

The most common CFAR policies cover between 50 to 75 percent of your nonrefundable prepayments. Coverage kicks in when the typical 100 percent recovery for cancellation due to a “covered reason” does not apply. It does not replace the traditional coverages: You still recover 100 percent for covered reasons.

To qualify for “any reason,” you must:

• Insure the full value of all nonrefundable or at-risk payments

• Buy the insurance within a set period, typically 15 to 21 days, of your original trip payment

• Cancel no less than 48 hours before scheduled departure

Many policies include trip-interruption coverage along with cancellation. That means it covers unanticipated costs of rejoining a departure you missed or unexpectedly returning home early. Interruption coverage is subject to the same 48-hour time limit and 75 percent recovery.

Consumer advocate Ed Perkins has been writing about travel for more than three decades.

The post Cancel for Any Reason Insurance, Explained appeared first on SmarterTravel.

These small changes to your driving habits, combined with free reward programs, can add up to big savings on gas.

Plan Ahead

Getting lost, backtracking when making multiple stops, and not planning your refueling spot ahead of time—these are all small mistakes that can add up to a big gas bill. Nicole Petersen, a spokesperson for GasBuddy, advises, “Long or unfamiliar trips are the most common time that people waste money on gas, stopping at stations simply for convenience. Things like waiting until the next city over or crossing state lines can save you a lot of money at the pump.”

At home, Ellen Edmonds, Public Relations Manager for the American Automobile Association (AAA) recommends combining errands and getting everything done in one spot or shopping plaza if possible, in order to save on mileage.  

Even if you think you know the way around, mapping out our trip ahead of time (especially if you’re making multiple stops) can help you maximize your fuel economy. 

Increase Your Fuel Efficiency

Going faster might save you time on the road, but it will cost you at the pump. “Fuel economy peaks at around 50 mph on most cars, then drops off as speeds increase, says Edmonds. 

Simply slowing down your highway speeds by 5 to 10 mph can help to increase your vehicle’s fuel economy by as much as 14 percent, according to AAA.  

Pay extra attention to your driving behavior as well. Petersen recommends avoiding “aggressive driving habits like speeding, hard braking and fast acceleration, as they waste gas and can decrease efficiency by up to 40 percent.”

Avoid Idling

At a standstill in traffic? Turn off your engine if it’s safe to do so (and if you’ll be stopped for longer than a minute.) “A car engine consumes one quarter to one-half gallon of fuel per hour when idling, but a warm engine only takes around 10 seconds worth of fuel to restart,” says Edmonds.

Skip Stops and Slowdowns

Some stops are unavoidable, but try to skip any unnecessary stops or slowdowns on the highway. According to AAA, this means:

• Using “fast pass” or “express toll lanes
• Avoiding rush hour when possible
• Monitoring traffic on your route ahead of time and during the trip, and rerouting to a more efficient way as needed

Pass on Premium Gas

Check what type of gas is recommended for our vehicle. If your car only requires regular fuel, splurging for premium will not improve fuel economy and will be a waste of money, warns AAA.

Shop Around for Gas

Plan ahead with your gas stops so you’re not forced to buy extra expensive fuel at the nearest gas station because you’re running on empty. Petersen says GasBuddy typically sees “14-30 cent ranges in gas prices even in small areas.”

There are a few ways you can find out gas prices without driving past stations and checking the signs.

• Search “gas stations” on Google Maps, which displays prices for some stations 
• Use the AAA Mobile App, which shows fuel stops nearby along with gas prices
• Download the GasBuddy app, which displays gas prices on a map

Take Advantage of Loyalty Programs & Gas Cards

Now might be the time to take advantage of those loyalty programs you’ve been avoiding the signs for every time you fill up. These are free programs that give members rewards and discounts on fuel. Some examples include:

• Fuel Rewards, an easy-to-use discount card valid at Shell stations
• GasBuddy, a payment card that can save up to 25 cents per gallon at a number of different gas stations
• BPme Rewards, which gives app users up to 5 cents off every gallon at BP stations
• Exxon Mobile Rewards, simply sign up and then use the app, credit card or just your phone number at the pump to save 3 cents per gallon

Rent a Hybrid Car 

Next time you book a rental car for your travels, choose a hybrid car. These vehicles are usually smaller and cheaper to rent. They also require significantly less gasoline than a regular vehicle, which can result in huge savings on a road trip.

Almost all major rental car companies offer hybrid vehicles, however, most companies specify that the vehicle type “isn’t guaranteed” and you might wind up with a non-hybrid when you arrive.

If you want to guarantee a hybrid rental, try Turo, a car sharing site where you can pick the specific vehicle you want to rent.

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Divide Money

Even if you disregard all other advice about carrying money, take this tip to heart: Whenever possible, divvy up your travel cash and even credit cards into multiple safe spots. If you have all your money in one place, it only takes one incident for a thief to totally wipe you out.

When possible, leave all the cards and cash you won’t need immediately in a secure location in your hotel or vacation rental. And when you’re out and about, keep some of your money attached to your person (see below for ideas about how to wear money securely) and some in a bag you carry. If you’re smart about how you distribute your funds, you’ll still have enough money to get to a police station or back to your hotel in the event your bag gets lost or snatched.

Opt for On-Body Storage

Under-clothing storage accessories have come a long way since neck pouches and money belts came onto the scene. Though those classics are still effective, newer options include boots with zippered stash pockets, normal-looking belts with space for cash, and packs designed for running or working out.

Note that on-body storage isn’t always a good wallet alternative since you don’t want to have to fish around inside your boot for cash while buying something at a store.

Keep Small Bills Handy

Changing or withdrawing large amounts of money minimizes the fees you’ll pay to get local currency, but it also means you’ll be traveling with far more cash—and larger bills—than you’d likely have on you at home. In addition to dividing your money, it’s also wise to make smaller denominations of currency easily accessible. That way, you won’t pull out the local equivalent of a $100 bill while attempting to buy a 30-cent souvenir.

Make money preparation part of your morning routine: As you’re packing your bag, make sure you’ve got a variety of small bills and coins at the ready for purchases such as food, souvenirs, and attraction entry fees. Squirrel away larger bills in your secret on-body stash, or tuck them into a secure part of your wallet or bag.

Carry an Anti-Theft Bag

If garbage-bag commercials have taught us anything, it’s that some bags are tougher than others. The same goes for travel purses, backpacks, and bags—some, designed specifically for travel, have features such as cut-proof, steel-cable-reinforced shoulder straps; slash-proof fabric; and locking zippers.

Since elements like these slow down thieves, anti-theft bags can do a decent job deterring opportunistic pickpockets. Anti-theft bags are available online from Arden Cove, Pacsafe, Travelon, and other retailers. Consider your purchase an investment that might save you some money.

Trim Your Wallet

Are you going to need your library card when you’re 6,000 miles from your local branch? Probably not. Before you leave, take the time to go through your wallet and take out everything except the necessities (a primary credit card and a backup, an identification card, an insurance card, etc.). Not only will it help you travel lighter, but if your wallet does get lost or stolen, you’ll have fewer items to replace.

Use a Decoy Wallet

If you’re traveling in a place known for pickpockets or muggings, consider getting a cheap wallet that looks real enough to use as a decoy that you can keep in your pocket or bag. Pad the wallet with some small bills and make it look more real by slipping in one or two of those sample credit cards you get with offers in the mail. A dummy wallet can stop pickpockets before they get to your real wallet.

Buy a Travel Wallet

In addition to a decoy wallet, you might also consider a wallet that you reserve specifically for travel. There’s one simple reason for this: If you’re the type of person whose day-to-day wallet is packed with cards—gym memberships, prepaid coffee cards, frequent-buyer punch cards, and the like—the card pockets are likely to be stretched out and won’t be able to securely hold just an item or two. By keeping a travel-only wallet at the ready, your cards will have snug pockets that they can’t slip out of accidentally.

As an added bonus, you won’t have to unpack and repack your day-to-day wallet; you can simply transfer what you need for your trip to your travel version.

Adapt to the Local Money Culture

Being prepared to pay your way on vacation means different things depending on where you are. In a cash economy, you’ll need to make sure to have a variety of bills and coins on hand at all times, but your credit cards will likely just collect dust.

However, in much of Europe and parts of Asia, where automation is common and chip-and-PIN credit card technology is standard, having a compatible credit card will come in very handy, especially if you find yourself at an unattended gas station late at night or a train station after hours. Also, keep in mind that in some countries, U.S. dollars are an official or unofficial secondary currency, so it’s wise to keep a few greenbacks ready.

Use Money Alternatives

In high-traffic settings such as metro stations and close quarters like bus lines, it’s nice to be able to forgo cash or credit card transactions and rely instead on a multi-use ticket or other cash alternative. If you’re in a city where the public transportation system offers multi-use cards (for instance, London’s Oyster card or San Francisco’s Clipper card) or where you can buy a bunch of tickets at once for a discounted price, then take advantage. You’ll reduce your chances of losing your wallet simply by retrieving and stowing it fewer times.

Stow Valuables Securely

Sometimes the best way to carry money is not to carry it at all. Hotels’ in-room safes are generally pretty secure, and if you’ve got an item (or a wad of cash) you’re particularly nervous about, check to see if the hotel has a safe-deposit box behind the desk. If you do use a hotel lockbox of any sort, remember to retrieve your items when you leave. In the rush to pack up and depart, out of sight can easily mean out of mind—until you’re on your way to the airport. If you’re a forgetful type, leave a colorful note on top of your suitcase.

Editor’s note: This story was originally published in 2016. It has been updated to reflect the most current information.

The post 10 Smart Ways to Carry Money While Traveling appeared first on SmarterTravel.

Focus on Safety First

One of the easiest and most important items on an overseas travel checklist is also arguably the most ignored. Travel insurance and State Department alerts can be incredibly important in emergencies abroad, but many tourists bet they won’t become part of the small percentage of travelers who require evacuation assistance or protection from hotel or flight cancellations.

Subscribing to the State Department’s STEP alerts for your destination can help you stay up to date on upcoming and current travel restrictions, strikes, and areas of political unrest. Any alerts you receive will let you know whether or not to plan for some unexpected obstacles in advance.

Travel insurance can cost as little as a few dollars per travel day and cover anything from lost luggage to emergency medical attention, potentially saving you hundreds, maybe even thousands of dollars.

Get Your Travel Documents and Credit Cards in Order

Make sure your passport and any necessary travel visas are up to date. Some countries require a passport to be valid for at least six months after your scheduled return, so make sure you won’t be turned away or delayed at customs because of an old passport. Not sure if you need a visa? Check the State Department’s travel page for your destination.

Keep physical and digital copies of your passport and all your paperwork in case anything is lost. Share copies of your passport, itinerary, and contact numbers with family and friends whom you can contact in case of an emergency.

Notify your bank and credit card companies about your travel dates so they don’t deny your purchases, and ask about international ATM fees so you can find out which ones won’t charge you. It’s always a good idea to bring multiple cards in case one stops working.

Don’t underestimate how helpful a cell phone photo of your passport can be. Whether you have to go to the consulate and report it lost, or are just filling out a customs card and need your passport number, it will likely come in handy. Email the image to yourself to have an extra digital copy in case your phone runs out of batteries or goes missing. You may also want to bring a spare copy of your passport photo on your trip; having it handy will speed the processing of a new document.

Get Vaccinated

It’s best to get the necessary vaccinations out of the way as soon as possible since it can take a few weeks to build full immunity. Some also require multiple doses, which may need to be administered over days, weeks, or even months. Talk to your doctor about getting the CDC-recommended shots, as the protocol for vaccines varies by country. For example, dozens of countries require proof of a yellow fever vaccination if you’ve been to at-risk areas. A travel clinic can help you sort out which vaccinations and medications you might need.

Keep your vaccination certificate in your carry-on in case customs requires you to present it when entering the country.

Study Up on Your Destination

Whether you’re a travel app connoisseur or more of a paperback guidebook person, having some source of knowledge about your destination is invaluable. Read about the region you’re traveling to in advance to gain insight into important information such as currency exchange rates, useful phrases, tipping norms, appropriate clothing, and cultural/legal customs. It’s best to be prepared so you don’t land yourself in a compromising situation.

Make Sure Your Home Is Cared For

There’s nothing worse than realizing once you’re six time zones away that you forgot to stop your mail delivery or ask someone to water your expertly cultivated house plants. Make sure your daily tasks are covered before you leave, or appoint a trusty friend to do them for you.

You can find a house or pet sitter to do your chores if you’re willing to list your home on TrustedHouseSitters.com. Plus, you could find lodging through the site for your trip abroad if you can do the same for someone else.

Stay Connected

Want to stay in touch while traveling abroad? If you haven’t taken your phone overseas before, call your mobile provider to ask about international phone plans that might be available. If your carrier’s plans are expensive, an international SIM card can be a good alternative.

Download the Necessities

Sometimes, the most important thing you’ll pack is in your smartphone rather than your suitcase. Offline maps are your best friend when traveling with limited data or battery. You can find Wi-Fi in many places, but downloading offline maps through Google Maps will allow you to follow your GPS without using up data.

Downloading in-flight entertainment could also save you if your TV malfunctions on a long-haul flight. Streaming won’t be available without consistent in-flight Wi-Fi (which you shouldn’t ever depend on) but you can pre-download movies and TV shows through most platforms.

Don’t forget a portable backup charger. Watching hours of your favorite TV show is sure to drain your battery life, and there’s nothing worse than finally finding a Wi-Fi spot only to have your phone die.

Pack These Essentials

While the contents of your checked bag will largely depend on the climate you’re visiting, you’ll want most of your trip’s essentials easily accessible in your carry-on. Start with this international travel checklist of items to pack:

• Passport and visa
• Medications
• Insurance and ID cards
• Cash, debit cards, and credit cards
• Pen to fill out customs forms
• Portable charger
• Earplugs, eye mask, and sleeping pills
• Electrical converters and adapters specific to your destination
• Headphones
• Antibacterial wipes
• Sweater/scarf in case the plane is chilly
• Cell phone and charger

For more ideas, check out our ultimate packing list.

Consider taking photos of your packed suitcase (both inside and out) in case it gets lost. That way, airline employees will know what to look for, and you’ll know what was inside if you don’t get it back and need to file a claim.

Editor’s note: This story was originally published in 2016. It has been updated to reflect the most current information.

The post The Ultimate Checklist for Traveling Abroad appeared first on SmarterTravel.