Welcome to the world of foreign currency, where every bill looks like play money and math becomes your biggest challenge. Fear not; follow these 7 easy tips to ensure your financial journey abroad remain smooth and stress-free.

1. Get Some Local Currency Before You Go: Should you get foreign currency before leaving home? Absolutely! Arrive with about $100-200 worth for initial expenses. Your local bank or a currency exchange kiosk can hook you up. Avoid airport kiosks unless you enjoy sky-high fees. Websites like Travelex can help you find convenient exchange locations.
2. Use ATMs for the Best Rates: Once you’ve landed, ATMs are your best bet for more cash. They usually offer better rates than currency exchange counters. Stick to ATMs from major banks and use the ones inside airports or hotels for extra safety. And remember, avoid that shady guy on the corner offering “great rates” unless you fancy starring in “Travelers Gone Wrong” and being scammed.
3. Credit Cards Are Your Best Friend: Credit cards are a modern traveler’s best asset, especially those with no foreign transaction fees. Cards like the Chase Sapphire Preferred or Capital One Venture are great picks. Notify your bank of your travel plans to avoid embarrassing declines. Always carry more than one card in case you lose one or one is declined. For a list of recommended travel credit cards, check out NerdWallet.
4. Use Currency Conversion Apps: For real-time currency conversion, apps like XE Currency and Currency Converter Plus are fantastic. They’ll help you figure out if that cute souvenir is a steal or daylight robbery.
5. What If Your Credit Card Vanishes?: If your credit card vanishes, don’t panic. Contact your bank immediately to freeze the card. Keep a list of all credit cards you are bringing along as well as the international contact information. Carry a backup card and some emergency cash in a separate place, just in case.
6. Skip Traveler’s Checks: Traveler’s checks are about as popular as fax machines these days—almost extinct. Stick with a mix of cash and cards for convenience and security.
7. Keep Backup Cash and Cards: Don’t keep all your cash and cards in one place. Use a money belt.  A cross body bag like the ‘ULTI’™ by CONMIGO® keeps all your belongings safely positioned close to your body decreasing the chances that a pick pocket will avail themselves of your stuff.

Conclusion: Keep your money safe, your spending smart, and your wallet ready for adventure. With a little preparation, your foreign currency experience will be smooth and hassle-free. Happy travels, and may your currency always convert in your favor!