‘Cash’ only when you need to! Only cash traveller’s checks when you really need money. Take no risk of carrying too much cash with you for no real apparent reason. Avoid being stuck with too much local currency from a foreign destination that you will lose money on converting.
Use all your small coins before changing notes. They make great tips! Minimize ATM and credit card transactions as they both carry transactional and administration fees – they are convenient but expensive.
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