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As travellers, our biggest concern should be finance. 99% of travellers are not well aware of the money side of travel, and that is why they lose a lot financially.

One of the biggest issues is the cash vs card dilemma. Let me talk about it and help you save a lot on your next trip. If you know how to use both properly, you will save money. If not, you will lose money.

Cards are convenient, but many places still prefer cash. Small restaurants, local transport, and markets often charge extra when you pay by card.

This leads to last-minute ATM withdrawals, which usually come with higher fees.

Use cards where they work well. Otherwise, keep enough cash for daily use.

Many travellers try to keep less money in their pocket and withdraw small amounts multiple times, but each withdrawal carries fees.

ATM charges and bank fees add up quickly.

Withdraw larger amounts less often, and keep track of how fast you are spending it.

This is one of the most expensive mistakes.

When an ATM or card machine asks whether you want to pay in your home currency or local currency, always choose local currency.

Paying in your home currency adds a hidden markup.

Fear of running out makes people carry too much cash.

This leads to poor spending decisions, as it becomes easier to overspend.

Carry enough cash for a few days, not for the entire trip.

Not all cards are travel friendly.

Some charge foreign transaction fees on every payment. Some block international usage unexpectedly.

Before travelling, know which card works abroad and which one costs you extra.

Some places charge extra for card payments. These small charges add up over time.

If a place charges extra for card use, pay cash and save money.

I hope this makes it clear that if you use cash and cards with a proper system, you can save a lot. If not, you will always overspend.

Use cards for hotels and large bookings. Use cash for food, transport, and small expenses.