Today is Travel Tip Tuesday! Novembers tip is about finances, not necessarily my strong suit, though a topic that should be covered, especially when so close to Christmas shopping. When travelling we all hope for a picture perfect trip with no frustrating situations, and often the unexpected can happen. Here are some ways to protect yourself from money theft and getting stuck in an unpleasant vacation.
When travelling, I always pack several different cards with me (both debit and credit). Even if the intent is not to use all of them, sometimes your bank may block a card, or your card simply won’t work in that specific country (It’s happened to me in Poland and South Africa). So just in case, I always bring a few cards which are all linked to different outlets. I would suggest keeping at least one tucked away in your room, in case your purse or bag gets stolen! On that note, it may be a good idea to give your bank a heads up that you will be travelling – depending on the institution you may be able to do this online for convenience.
Cards are great, and as they say, cash is king…sometimes. Some restaurants will not accept cards, in Europe you may need change for the water closet, and transit can be tricky to pay for when in a rush. Flea markets are usually cash only and normally a good way to bargain is by only showing them a small bill or a few coins. Cash is also good in case of emergency! I also suggest splitting between your wallet, bag, sock and money belt. It will seem a bit ridiculous, especially when taking off your shoe to pay for something, it will at least offer some protection against losing everything to an opportunistic pickpocket. This hidden cash can get you a meal, somewhere to sleep, and a call home for help.
I never owned a money belt until we went to South Africa. And now, I think they are a great investment. I’d suggest not using it as a replacement for a purse and only for the essentials (this includes your passport/residence card, one bank card, a photocopy of health cards and a bit of cash). Have it hidden under your clothes, and don’t go digging for it in public. This way even if your purse gets snatched, you can still get home.
I get this sounds a bit paranoid and over the top; as safe as you may feel in your surroundings, you never really know what can happen when abroad in a strange land. Neighbourhoods can look fantastic when the sun is up, which can drastically change after sunset. Why test it? Be prepared and therefore you can worry a bit less about logistics and more about enjoying your trip!