Take a little more currency than you think you will need. It is easy to overspend a little when travelling and you may find something that you really want as a gift or memento to take home. Ordering or buying more foreign currency than you might need doesn’t mean you lose out if you cannot spend it as many places that exchange currency will have a favourable buy back provided you use them again. However, you need to ask as the special buy back rate is not always advertised that well.
Travel cards: Many banks and bureau de change companies offer a convenient travel card that is “loaded” with foreign currency that can be used much like a Credit, Debit or cheque card overseas. These cards are safe and reliable, the exchange rates and fees charged are very good, and you can “top up” using your online banking or via an app many providers offer.
Spending and storing your money - Don’t carry all your cash: As a tourist, you are a target for pick-pockets and other swindlers. Don’t keep all your cash on you, rather place what you need in your wallet or purse and ask your hotel or lodge to keep the balance in their safe if one is available.
The magic $10 bill: One of the best kept secrets of any experienced traveller is the magic $10 bill. This is a $10 bill that you keep hidden in a place only you will know that cannot be accessed easily by a pickpocket and may not easily get lost in transit. Keeping a $10 bill in your shoe or sock can become a life saver, and depending on which country you are in, if you choose a US Dollar is as close to universal currency, $10 is just enough to get you out of a sticky situation.