cheap travel

7 Ways Using Credit Can Help You Enjoy a Cheaper, Safer Summer Vacation

Rod Griffin — Tue, 20 Jun 2017 09:00:11 +0000

Summer travel season has arrived! Whether you’re going to the beach, the lake, the mountains, or “The Happiest Place on Earth” (at least from the kids’ perspective), summer vacation can be expensive. It also can put you at risk for theft — both of your personal belongings and your identity.

According to Experian, the average per-person cost of a vacation is $2,275, and half of this expense is put on a credit card. Planning ahead, setting a budget, and saving money in advance are essential for a debt-free vacation. Even after putting in the time and effort to start a vacation fund at the bank, using credit can be a smart financial choice. Here are seven ways using credit as a financial tool during your summer travel can help you have a safer, less-expensive vacation without taking on debt.

1. Convenience

Figuring out foreign currency can be like Harry Potter counting Muggle money. Using a credit card can eliminate uncomfortable stares from the locals, who you know are thinking, Yup, they’re tourists, while you and yours hold up the line deciding whether the gold coin with the lady on it or the silver coin with the man is the right change. A credit card can also automate the calculation of exchange rates. Look for cards that don’t charge a foreign transaction fee. Finally, credit cards hold up much better than cash when you drop your wallet in the pool.

2. Travel insurance

Some credit card agreements provide travel insurance when you book flights or hotels. You’ll be glad you didn’t reserve those nonrefundable tickets with cash when the hurricane blows through two weeks before departure and takes your hotel with it.

3. Purchase discounts

Branded credit cards may offer discounts for purchases on the resort property or in stores and restaurants in the area. The right logo or cute cartoon character on the card can leave you with a little extra cash in the bank back home.

4. Rewards and incentives

Airline miles, hotel points, and cash back can add up quickly on a cross-country road trip or overseas vacation. Using a credit card could put a bit of money back in your savings account, get you a free room for a night, or earn a seat upgrade on a long overnight flight.

5. Identity theft protection

Your identity may be your most valuable possession. Using a credit card for vacation purchases will protect you when your identity is compromised. Because losses due to fraud are limited to $50, if your identity is stolen while on the road, you won’t lose any cash. In most cases, even the $50 is waived by the credit card company.

6. Theft deterrence

Want to put a bullseye on your back? Pull out a big wad of cash in a crowded vacation spot. Flashing loads of lucre can make you a prime target for thieves and pickpockets. Eliminate bulging pockets and use a credit card instead of cash. If you do have your pocket picked, simply call the credit card company to have the account blocked and a replacement card delivered to you.

7. Expense tracking

Using a single credit card for all your vacation purchases can be a good financial management tool. Designating a single card will give you a complete record of your expenses when you get home — in the form of your monthly statement.

You might also consider applying for a new card expressly for your summer vacation. That makes expense tracking even easier — any spending on the card is automatically "vacation spending." If you choose your vacation card carefully, you may be able to boost your rewards and savings, too. Before applying, check your Experian credit report and score. Knowing what’s in the report will ensure there aren’t any surprises when you apply.

Of course, you can’t just charge it and forget it. You still have to monitor your spending along the way, stick to your budget, and use your vacation savings to pay the balance in full when you get home. But if you use credit wisely, you may be able to leave a bit in the account to use next year.

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This article is from Rod Griffin of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

5 Affordable Countries Every Outdoor Explorer Can Afford to Visit

Amanda Gokee — Mon, 05 Jun 2017 08:30:08 +0000

Exploring the great outdoors is a wonderful way to spend a vacation, yet it's not always cheap. Many countries have expensive national park fees, camp fees, and general high cost of travel.

Check out these inexpensive destinations for your next outdoor adventure.

1. Canada

Canada is an incredible destination for nature lovers. With a population of 35 million people spread over a vast 3.85 million square miles spanning from the Atlantic to the Pacific, and north to the Arctic Ocean, opportunities for outdoor recreation in untouched wilderness areas abound.

Plus, as a part of the country's celebration of its 150th birthday, this year you can take advantage of the fact that all national parks in Canada are free with the 2017 Discovery Pass. With more than 40 national parks throughout the country, there is plenty of outdoor exploration to be done in expansive forests, tundra, and mountainous regions.

Canada's well-known highlights such as Vancouver Island, Banff National Park, and the Whistler Blackcomb ski resort are well worth a visit. But you should also consider some lesser-known gems, like going on a polar bear and narwhal safari in the far northern province of Nunavut.

Highlights in the east of the country include Nova Scotia's Cape Breton Highlands, where you can take in spectacular coastal views and may even glimpse minke or pilot whales breaking offshore. In the winter months, you can ski in Quebec, north of Montreal.

Head to the Great Lakes region for an epic canoe or kayak trip in the warmer months. Some of the diverse wildlife you could see along the way may include moose, bears, and loons, just to name a few.

As an added budget bonus, the U.S. dollar currently trades around 40 percent better than it did five years ago, so Americans can save some serious money on a trip to our great northern neighbor.

2. Kyrgyzstan

Between its rugged mountain ranges, extensive pasture lands, and high-altitude lakes, this rural country has no shortage of outdoor activities. Seminomadic peoples still live in the mountains here, with yurts dotting many mountainsides.

Landing in Bishkek, the country's capital, you can head to Issyk-Kul, the world's second largest alpine lake, which is located at the foot of the Tian Shan Mountains. The area is a great base for an outdoors-oriented vacation, with swimming, hiking, camping, and trekking all available.

Other trekking destinations include Lake Song Kol and Lenin Peak on the border with Tajikistan. For those who aren't interested in walking the whole way, horse treks in Kyrgyzstan are a fun way to get around.

Kyrgyzstan is an affordable destination overall. We calculate the cost of traveling there at $63 per day for two people sharing accommodations. Plus, you won't have to add visa fees to your travel budget, since no visa is required for Americans visiting for up to 60 days.

Discover Kyrgyzstan, the government's official tourism arm, is currently planning new sustainable tourism options around Issyk-Kul and hiking opportunities in the Jyrgalan region, so it's likely that the country will soon be on the radar of all outdoor enthusiasts.

3. Nepal

Nepal is an internationally renowned destination for adventurers, boasting the famous Everest and Annapurna peaks, and lesser-known areas for trekking, such as the Langtang region north of the capital city, Kathmandu. While summiting Everest is a highly technical and expensive undertaking, there are many other treks in the country that are accessible to hikers of nearly all levels.

Planning a trek to a mountain base camp is one good option, enabling you to hike in the vicinity of the world's greatest peaks without spending tens of thousands of dollars to summit them. These are still challenging hikes that should not be underestimated, but with training and proper preparation, they are certainly manageable.

Most hikes can be easily planned out of Kathmandu, the country's vibrant and busy urban center. Here you can acquire the required permits for your trek, which usually cost around 2,000 Nepali rupees, or about $20. Farther west, the charming tourist town of Pokhara is a common base for travelers preparing to do the popular Annapurna circuit trek.

Not only does Nepal boast stunning landscapes, but it's also a very affordable place to travel, with cheap transportation and meals costing as little as $1. Lonely Planet estimates you can travel for as little as $30 a day, including budget accommodations, two meals, and a trekking porter/guide. A midrange organized trek costs $60–$80 per day.

4. Chile

Chile is a country of abundant natural beauty, from its extensive coastline to the impressive mountains of Patagonia — a breathtaking trekking region at the southern end of Chile and Argentina.

Torres del Paine National Park, in the heart of Chilean Patagonia, is replete with glaciers and crystal clear mountain lakes. You'll want to plan a trip between mid-September and early May, which are the southern hemisphere's warmer months.

Overall, Patagonia is not a budget destination, but it is quite possible to do one of the famous treks in Torres del Paine without breaking the bank. The entrance fee is around $30, but if you plan to do the W Trek (four days) or the O Trek (around eight days), this fee is minimal given the amount of time you'll be spending in the park.

There are also numerous free campsites in the park that can help you save money as well. Pack your own food, stay in as many free campsites as you can, and you can end the entire O Trek in Patagonia spending very little. Even if you do have to pay for campsites, they're only around $15 per person, so it's pretty affordable accommodations!

Unless you have a lot of time for a road trip, you'll want to fly into the Patagonian towns of Punta Arenas or Puerto Natales. Be sure to reserve your flight far ahead — Travel and Leisure recommends booking six months in advance — to ensure you get a seat on one of these in-demand flights.

Other impressive sites in Chile include the Atacama Desert, which is one of the best places on earth for stargazing, given its high altitude and the near absence of humidity in the air. (See also: 6 Things That Will Make Your Next Flight More Comfortable)

5. Thailand

Long known as a budget traveler's paradise, Thailand was recently rated as one of the world's 20 cheapest countries to visit by The Telegraph newspaper. Lonely Planet estimates travelers here can get by on as little as $29 a day, with delicious street meals costing less than $2 in many cases.

Known for its beautiful beaches, Thailand is actually a fairly diverse outdoor destination. There are many jungle treks in the north of the country where you can explore the country's rich cultural heritage and visit some of the many impressive temples. Most of these treks depart from Chiang Mai and Chiang Rai.

For shorter hikes off the beaten path, check out Sri Phang Nga National Park in southern Thailand, which features spectacular waterfalls, abundant wildlife, and huge parasitic rafflesia flowers.

Interested in water activities? Head to islands like Ko Pha Ngan and Ko Tao, where you can complete your scuba diving certification without breaking the bank. An open water certification costs 9,800 baht (or around $285). There is no need to book ahead, since the island is full of dive shops that offer certifications, and you can comfortably shop around for the best price once you arrive.

If you're not a diver, you can explore the islands by scooter or foot, stopping to snorkel and swim along the way.

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This article is from Amanda Gokee of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

5 International Destinations Anyone Can Afford

Amanda Gokee — Thu, 30 Mar 2017 08:30:21 +0000

One of the most important determinants of an international travel budget is the destination you choose to visit. Some countries are always bargains, while the price of other destinations may rise and fall with the nation's economic climate, political situation, and exchange rate.

The good news for travelers on a budget is that there are many economic options that offer great value for hotels, transportation, and activities. Here are some of the cheapest destinations to consider in 2017.

India

From tea gardens of Darjeeling, to the white sand beaches of Goa, to the tiger reserve in Madhya Pradesh, and the Great Living Chola Temples (a UNESCO World Heritage Site) in Tamil Nadu, India has something for everyone. Take a cruise on the extensive system of coastal canals in Kerala, or stroll the temples of Varanasi, an ancient city considered holy to both Buddhists and Hindus.

The price of travel in India is hard to beat. The cost of living ranks near the bottom of Numbeo's 2017 Cost of Living Index. When I was backpacking in India, I was able to get by on a budget of $200–$250 a month (and the exchange rate has only improved since then for Americans).

This kind of travel budget is hard to imagine anywhere else in the world. Granted, there were trade-offs. The hotels I stayed in cost only about $6 for a double, but the quality varied greatly. I had some terrible nights with bedbugs, and others in pristine rooms in beautiful, historic buildings and even old palaces.

Food quality and prices also run a wide range. You can get a bite from a street stall for 50 cents or less, while a vegetarian meal in a simple restaurant usually costs $1–$2. As with any destination, if you want to spend more, you can usually find more expensive options, too, unless you're in a very small town off the beaten track that doesn't see much tourism.

Nepal

Nepal is ranked a bit higher on Numbeo's list, but it is still an extremely affordable country for travel. In my experience, a typical meal of delicious momos (steamed meat or vegetable dumplings) or traditional noodle soup costs about 75 cents.

Of course, costs are variable, especially depending on the types of activities you pursue. The Nepalese Himalayas are full of opportunities for outdoor recreation, including trekking, mountaineering, and whitewater rafting.

If you are an experienced hiker, you can buy a map for less than $5 and strike out on your own, but less advanced hikers may feel more comfortable with a knowledgeable guide. According to EliteTrekkers, a service that matches trekkers to guides and porters, hiring an experienced guide costs $28 per day.

Keep in mind that more technical trips to summit different mountains come with a very different cost, requiring the use of a guide and experienced team of support crew members. Expect to pay $60,000 or more for a trip to the summit of Mt. Everest, including gear, permits, food, and accommodations in Kathmandu before and after the expedition.

Mexico

Mexico is the 10th cheapest country in terms of cost of living, according to Numbeo. For travelers departing from the U.S., Mexico is particularly attractive because the cost of airfare to your destination is often very affordable. While flying to India out of the United States can cost around $800 round trip, I consistently find round-trip flights to Mexico from major U.S. departure cities such as Houston for as little as $200. Of course, prices depend on your travel dates and where you are flying from. Traveling during low season will lower your prices significantly.

Moreover, Mexico has a fairly developed tourism sector with a wide range of accommodations to fit most budgets and comfort levels.

Many Americans already know the beautiful beaches of Playa del Carmen, Cabo San Lucas, and Puerto Vallarta, but there are many other must-see destinations in Mexico, including the monarch butterfly reserves of Michoacan and Copper Canyon in Chihuahua. My favorite colonial towns include Zacatecas, Guanajuato, and Taxco. These towns were historically rich from the silver mines, and preservation efforts have left them with a beautiful architectural legacy.

Moldova

Moldova, a country in Eastern Europe that shares a border with Romania and Ukraine, is also among the 10 cheapest countries, according to Numbeo. This former Soviet republic offers a rural, off-the-beaten path appeal, as one of Europe's least visited countries, according to Lonely Planet.

The countryside is made up of large forests, rolling hills, and vineyards with plentiful wine-tastings. Moldova is also home to numerous historical ruins and monasteries sure to interest history buffs. If you're looking to travel cheaply this could be the European destination for you.

Greece

With it's sunny island destinations, delicious food, and iconic historical sites such as the Acropolis, Greece offers plenty to do for travelers. While Greece continues to experience economic problems, prices are especially low for Western travelers. Greece made Rough Guide's list of 20 cheapest countries to travel to now.

According to Lonely Planet, a budget traveler staying in dorms and eating at local markets can get by on around 60 euros ($65) a day. Compared to many European countries, that's a bargain. If Greece has always been on your list of places to see, now may be the time to go.

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This article is from Amanda Gokee of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

5 Travel Destinations That Are Cheaper Due to a Strong U.S. Dollar

Amanda Gokee — Tue, 28 Mar 2017 09:30:32 +0000

The past year or so has brought great news for American travelers, as the U.S. dollar has surged in value against other currencies. That means it's cheaper for Americans to travel overseas. We took a look at some countries where the exchange rate is notably improved from 2014, when the U.S. dollar was considerably weaker. These five destinations are particularly attractive now.

1. China

If you've had your eye on China for a while, now is a good time to book a trip. The dollar is currently strong in comparison with the yuan, which was devalued by 6.6 percent in 2016. The U.S. dollar is now 14 percent stronger against the yuan than it was in 2014, meaning travel there for Americans should be about that much cheaper.

There is plenty for the adventurous traveler to see in this vast country, with some of the most famous tourist sites, including portions of the Great Wall of China, situated in or near Beijing. A tour of the wall and the imperial palace known as the Forbidden City costs around 240 yuan. At $35, that's about $5 cheaper than it would have been in 2014, thanks to the exchange rate. Everything from hotels to internal flights should be cheaper, too.

2. Switzerland

According to the World Economic Forum's biennial Travel and Tourism Competitiveness Report, Switzerland ranked last in "price competitiveness" in 2015, making it the most expensive country to travel to. But the strengthening dollar is making it a little more affordable. The local currency is the Swiss franc, which, at the time of writing, was worth about one U.S. dollar. That's 13 percent less than the franc's high point in 2014.

According to Lonely Planet, it costs the average midrange traveler around 200–300 Swiss francs a day to travel in Switzerland. With the current 13 percent savings on the exchange rate, you could save $26–$39 a day when compared to the same trip in 2014.

Switzerland is a stunning country, where imposing castles from the Middle Ages dot the mountainous landscape. No trip to Switzerland would be complete without a trip to the Swiss Alps, which have long attracted visitors for hiking and skiing.

Switzerland's cities, such as its capital, Geneva, are clean and home to some of the most important international organizations, such as the World Health Organization. Smaller villages such as Gruyères have a fairy-tale charm. The town is famous for the Gruyère cheese that is produced there, and offers authentic fondue and tours of the cheese factory where you can learn how the cheese is made.

3. Sweden

Although Sweden has a reputation for being an expensive country for travel, the Swedish krona has dropped 42 percent against the U.S. dollar since 2014, making now the perfect time for a visit. The exchange rate at the time of writing was about $1 to 9 krona.

According to Lonely Planet, the average midrange traveler spends about 1,000–2,000 Swedish krona a day. That translates to $111–$222, a whopping $92 cheaper per day cheaper than it would've been in 2014.

With its many coastal islands and inland lakes, Sweden's geography has long made it a destination for those looking to spend time on the water, engaging in activities such as kayaking. If you enjoy winter sports, Sweden is also an amazing cross-country skiing and dog-sledding destination. You may even be able to catch a glimpse of the ethereal northern lights in the northern region of Lapland — in particular, the Aurora Sky Station in Abisko National Park.

Even for city dwellers, water is an integral part of life. The Swedish capital, Stockholm, is built across 14 islands connected by 57 bridges. Stockholm is an elegant city, with lively music, art, and fashion scenes. Other cities, such as Visby, contain medieval ruins amid charming cobblestone streets.

4. Spain

With the euro falling in value against the U.S. dollar (down 24 percent since 2014), travel has become more favorable to the 19 countries that make up the eurozone. You could consider a traditionally more expensive destination such as France or Italy, and watch your dollars go further than they have in years. Or you could head to more affordable Spain, where a beer in some parts of the country will cost you just a little over a dollar.

Spain is a diverse country, made up of 50 provinces and five languages, including the official Castilian Spanish, as well as Basque and Catalan.

The Pyrenees mountains offer wonderful recreation opportunities, including winter skiing and hiking along the Camino de Santiago pilgrimage routes. The coast features good diving in the Mediterranean Sea. If a buzzing night life is more your scene, head for the tourist-heavy but beautiful islands of Ibiza and Mallorca.

5. Mexico

The dollar-to-Mexican-peso exchange rate is extremely advantageous at the moment, with one dollar worth about 20 pesos. This rate is 54 percent better than it was in 2014. Since this destination is in North America, you won't have to worry about expensive airfare either.

Mexico is a fascinating country to explore, with beautiful colonial architecture in towns such as Campeche, Guanajuato, and Zacatecas, which have put significant effort into conserving historic buildings.

The Pacific coast is a great destination for surfing and lazing on pristine, white beaches, and it's often overlooked by tourists heading to the Caribbean meccas of Cancun and Playa del Carmen (which offer their own charm, to be sure).

Living in Mexico City, I will admit to a bit of a bias for this cosmopolitan capital, which offers a vast art scene, delicious cuisine, and no shortage of music and entertainment options to visitors from all over the world.

Regardless of where you choose to go, one thing for sure is that 2017 is shaping up to be the year of the American traveler. Take advantage of a strong dollar and see how far you can go.

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This article is from Amanda Gokee of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

5 Hotel Room Booking Tools Every Frugal Traveler Should Know

Janet Alvarez — Fri, 19 Aug 2016 10:30:20 +0000

Frequent travelers know a thing or two about scoring the best deals on hotel rooms, but you don't have to be a road warrior to snag a great room on the cheap. We've found some of the best tools to help you get terrific prices on hotel rooms. (See also: 10 Surprising Ways to Save Money on Hotels)

1. Roomer

Roomer brings the sharing economy to hotel rooms. It's a bit like Airbnb, but strictly for hotels. Customers can buy unused hotel rooms from other people who don't want theirs, often at deep discounts. Roomer's easy interface makes it simple to buy or sell unused hotel rooms quickly and efficiently.

2. Hotel Tonight

Traveling last-minute? Don't despair. Some of the best deals on hotel rooms can actually be had when you book on the same day. That's because hotels are eager to offload excess inventory before it's too late — and that's where Hotel Tonight comes in. They show you all the very last-minute deals available in the city of your choice. I've snagged rooms that typically go for over $500 for $100 or less using this app.

3. Hotel Loyalty Cards

I just scored two weeks of free hotels in Europe for zilch. The secret was my hotel rewards credit cards. Credit cards offered by major hotel chains often come with big bonus point hauls for new customers, plus you earn points with every purchase. Finally, these credit cards can come with perks like hotel status upgrades, which will get you free Wi-Fi, room upgrades, and more. (See also: Tips for Using Hotel Rewards Points to Get the Most Value)

4. Coupon Sherpa

Couponing isn't just for groceries or other household items. Coupon aggregator sites, such as Coupon Sherpa, can also help you locate coupons for use on booking sites like Hotels.com. So, don't forget to quickly search for coupon codes before booking a room. (See also: 40 Most Useful Trvel Websites That Can Sve You a Fortune)

5. Your Phone's Calendar or Clock

As they say, timing is everything, and that couldn't be more true when booking hotels. Often, rooms at resort or vacation destinations are cheapest mid-week, when most tourists can't travel, so consider booking your trip on Tuesdays, Wednesdays, or Thursdays to score the best hotel deals. But hotel rooms at business destinations are the opposite: They're cheapest on the weekends, when business travelers are home with families.

Another timing trick? Check in late in the day to maximize the success of haggling for room upgrades, free WiFi, or other perks.

Any other frugal hotel booking tips we should know about? Share with us!

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This article is from Janet Alvarez of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

5 Places to Travel While the Dollar Is Strong

Nick Wharton — Thu, 24 Mar 2016 09:30:28 +0000

Travel isn't cheap, but when the dollar is 15%–55% stronger against other currencies than it has been in over a decade, now is the time to travel! Not everywhere is a good value at this time. Some other currencies are flourishing just like the USD, so if you want to find strong-dollar discounts, you have to know where to look. Here are five amazing places to visit that are far less expensive than they have been in a recent five-year history thanks to a strong U.S. dollar.

Note: All currency conversions are based on XE.com's historical data. The current exchange rates may have changed since this article was published. Daily budgets and average hotel costs were calculated using numbeo.com's travel index tool.

1. South Africa ($1 USD = 15 ZAR)

Five years ago, you would have only gotten 6.73 Rand for your dollar, but now you'll feel more than twice as rich in South Africa. There has never been a better time to go on an African safari. In 2010, entrance to South Africa's biggest park (Kruger National Park) would have cost $23.77 (160 ZAR), but now, you can watch lions, zebras and elephants roam free for just $17.50 (264 ZAR)!

A four-day luxury lodge safari trip in Kruger National park is around 15,000 ZAR. In 2010, that would have been $2,225 USD, but today it's only around $965 USD!

A budget room in a guest house (known as a "backpacker" in South Africa) will cost you about 385 ZAR. In 2010, that equated to $57 a night, but today you'll pay just over $25 for the same room.

The Math

Midrange Daily Budget: 500 ZAR / Day

This daily budget based on 2010 conversion: $74 / Day

This daily budget thanks to today's dollar: $33 / Day

Savings of: 55%

Current Exchange: 1 USD = 15 ZAR

5 Year High: 16.00

5 Year Low: 6.56

2. Russia ($1 USD = 70 RUB)

The beautiful city of Moscow, the churches of St.Petersburg, and the world's greatest train journey have never been so affordable. The Russian ruble fell drastically at the end of 2014, and while this isn't great for Russians, it is excellent for those of us who have always wanted to visit this vast and beautiful country.

The average price of a midrange hotel in Moscow is around 3,500 RUB. In 2010, that would have been $116, but today that is less than $50.

One of the most legendary train journeys on the planet, the Trans-Siberian, is now a better value than it has been in the past few decades. The trip from Moscow to Ulan Bator will run you around 35,000 Rubles for a first class ticket. At Christmas time in 2010, that would have been $1,160, but with today's exchange it's just $498! You can buy two tickets today, for the same price as one ticket would have cost you at the end of 2014. Incredible.

The Math

Midrange Daily Budget: 4000 RUB / Day

This daily budget based on 2010 conversion: $133 / Day

This daily budget thanks to today's dollar: $57 / Day

Savings of: 57%

Current Exchange: 1 USD = 70 RUB

5 Year High: 71.91

5 Year Low: 27.29

3. Brazil ($1 USD = 3.95 BRL)

Although Brazil was once considered a "BRIC" economy, the collapse of oil prices, the FIFA World Cup, and preparation for the 2016 Olympics has proven pretty rough on Brazil's currency. Today the Brazilian real is suffering a real downturn and the U.S. dollar is getting about 57% more than it did around this time in 2010.

If the Brazilian real continues on this downward trend, the Olympics in 2016 might make for a great budget destination. According to olympics.org, tickets for events will go for around 70 real. That's only $17.70, and by the time the games begin, it might be even less.

A three-star hotel in Brazil averages at around R$230 per night. In 2010 that was $138, but today that same room will cost you less than $35.

The Math

Midrange Daily Budget: R$400 / Day

This daily budget based on 2010 conversion: $240 / Day

This daily budget thanks to today's dollar: $100 / Day

Savings of: 58%

Current Exchange: $1 USD = 3.95 RUB

5 Year High: 4.17

5 Year Low: 1.57

4. Japan ($1 USD = 122 JPY)

I have personally always wanted to visit Japan, but I thought it would be outrageously expensive. This was true back in 2010 when the exchange rate was around 82¥ to the dollar. At that time, Japan would have been a steep holiday, but today the dollar gets 33% more than it did back then.

The average cost of a midrange hotel room in Japan is 10,000¥. In 2010 that would have been $122 USD, today that room will run you just $82.

A guided hike to the top of Mt.Fuji costs about 47,000¥. In 2010 that was $573, but today you'd pay $385.

The Math

Midrange Daily Budget: 19,000¥ / Day

This daily budget based on 2010 conversion: $231 / Day

This daily budget thanks to today's dollar: $155 / Day

Savings of: 33%

Current Exchange: $1 USD = 121.83 JPY

5 Year High: 125.63

5 Year Low: 75.76

5. Any Country Using the Euro ($1 USD = 0.92 EUR)

Head to Europe for huge savings! Explore the whitewashed buildings of Oia, Greece, lay on the soft, sandy beaches of the Mediterranean, explore the beauty of Paris, and the history of Rome, all for a fraction of what it would have cost you just a few years ago.

At the end of 2010, the Euro was at 0.76 to the dollar, but today the dollar is 17% stronger and trades almost equally with the Euro. When I was in Greece, I found a lovely apartment just a few blocks from the sea on Santorini island. At the time (May, 2011), that apartment cost me 34 Euros, which was around $50 USD/night. Today I could get that same apartment for just over $37.

There hasn't been a cheaper time for Americans to visit Europe in over a decade. This is the perfect time to explore one of the most fascinating continents on Earth.

The Math

Midrange Daily Budget: €100 / Day

This daily budget based on 2010 conversion: $131 / Day

This daily budget thanks to today's dollar: $110 / Day

Savings of: 17%

Current Exchange: $1 USD = 0.915 EUR

5 Year High: 0.95

5 Year Low: 0.67

Enjoy it while it lasts...

Celebrate the strong American dollar by taking a trip to a place you couldn't afford previously. Enjoy the discounts while you can!

Are you planning international travel while the dollar is so strong?

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This article is from Nick Wharton of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

15 Cheaper Ways to Travel Around the World

Carrie Kirby — Tue, 03 Mar 2015 22:00:07 +0000

I circled the globe in 300 days once. It wasn't 10 months of constant travel; after getting married in Wisconsin, my husband and I flew to Bangkok for our honeymoon, continued on to our home in Beijing, and then six months later, traveled overland to Paris. Finally, we flew back to Chicago to complete the circle. (See also: 15 Ways to Make Money While You Travel)

Whether your turn to circumnavigate the earth comes in one fell swoop or dozens of smaller trips over years, chances are you'll want to minimize the impact of the long journey on your wallet. Here are some ideas.

1. Up Your Frequent Flyer Game

Collecting frequent flyer miles is not a new tactic, but tapping into online help can increase your mile-hoarding prowess. My cousin joined paid site Travel Hacking Cartel and used advice she found there to accumulate 200,000 miles for herself and her husband in just four months by taking advantage of credit card offers. Advice is still free on the FlyerTalk forums, where milehounds discuss "mileage runs" (long flights taken strictly to accumulate miles) and other tactics.

2. Buy a Round-the-World Flight Pass

Often referred to as RTW tickets, these offers give you access to one airline and its international partners for multiple flights over a set period (usually one year). For instance, if you want to travel on United and its partners, you can buy a Star Alliance Round the World Fare. You pay a set price and receive up to 16 coupons for the various legs of your journey.

Are RTW tickets a bargain? That depends.

Nomadic Matt advises that you can sometimes save up to 30% over buying individual flights, but warns that these packages work best for people who can stick to their original schedule without changing flights. Be wary of fees tacked onto the purchase price of your RTW ticket. Also, check to see if it's cheaper to separately book flights in your round-the-world trip.

I entered an 11-city, globe-circling itinerary (economy class) into the Star Alliance site and received an estimated price of $6,335. You can also buy these tickets with miles.

3. Get a Job That Requires Travel

This can be a long-term stint overseas as an au pair or English teacher, a work abroad program, or a job that pays you to move around a lot, such as a financial auditor or hotel inspector. Or apply at San Francisco's Expensify, where the company takes all-staff monthlong working vacations to beachy destinations.

4. Get a Job That Is Travel

Flight attendants, pilots, train engineers, and cruise ship staff all may report for work in one country, and get off duty in another. But the list doesn't stop there. You can take a job as crew on a private yacht. Being an air courier used to be a good chance to get paid to travel; in the age of FedEx and the Internet there are just a few opportunities there.

5. Get on the Bus, Gus

It's 79% cheaper to take a bus from city to city than to fly. Overseas, bus travel can range from cushy to treacherous, but you're almost guaranteed to have more adventures traveling this way.

6. Get a Rail Pass

When I was a student in Paris 20 years ago, the youth Eurail pass was the obvious way to get around Europe on the cheap. But for those over 25 — and with the advent of budget airlines and other changes to budget travel — you need to do your homework before deciding to invest in a Eurail pass.

7. Travel Off-Season

Last year, my husband and I toured Southwestern France in October. We were lucky enough to have warm, sunny weather — in fact some days we wished that hotel swimming pools had not been shut down for the season! Crowds at attractions such as the citadel of Carcassonne were nothing compared to the hoards that descend upon them in peak travel season.

8. Go Freight

I'm not advocating hopping freight trains; rather, I'm thinking of a little-known way to cruise. Since I live near the Port of Oakland, I often find myself fantasizing about crossing the ocean on one of the massive freighters that I see laden with shipping containers. Freighters do take on passengers, usually for half the price of a traditional cruise ship or less.

However, if you want to take a cruise, going freight is not a no-brainer. You get a lot more on a cruise ship for the extra money: rock climbing, water slides, entertainment, etc. Also, discounts can be found for traditional cruises that could shrink the price difference. Then, there is the fact that freight cruises can last for months, charge by the day, can skip ports without much warning, and provide a rougher ride than a cruise ship. All in all, I'd love to try a freight cruise as an adventure one day, but not just because of the price.

9. Try Trading Places

As a member of HomeExchange.com, I've gotten vacation swap requests from families in Paris, the Swiss Alps, London, Spain, and coastal Italy. We're currently discussing a free two-week house exchange with an English family, who is also willing to care for our cats while we're gone. This works best if you live near popular vacation destinations.

10. Couch Surf

Couchsurfing is the most famous of the "hospitality exchange" sites, where you stay free in locals' spare rooms (or living rooms) and in turn host travelers at your own home.

11. Volunteer or Work for Lodging

Full-time traveler and Wise Bread writer, Nora Dunn recommends The Caretaker Gazette and other resources that help people find jobs that come with free housing. Then there are Peace Corps-style volunteer programs that pay all your expenses — but expect pretty serious work in exchange.

12. Cook Your Own Meals

Whenever possible, get accommodations with a kitchen and try these travel-friendly recipes. Even if you have no kitchen, you can save a lot by hitting grocery stores and picnicking. On our trip to France, my husband and I ate at least one meal a day of simple fresh vegetables, bread with cheese, and deli case goodies.

13. Make Technology Work Harder for You

Hardcore travelers swear by ITA Matrix or Skyscanner for sleuthing out cheap fares. When using other travel sites, use these cheap fare-finding tricks to find the deals.

14. Get Money Back After Booking

A number of price drop alert sites, such as Yapta, will let you know if you could get a better deal, sometimes even after you've booked. For car rentals, use AutoSlash to find better deals after reserving.

15. Get a Free Local Guide

In a comprehensive list of tips from pro frugal travelers, Nora Dunn included this gem: Use the Global Greeter Network to find a local who can serve as a free local guide.

What other tricks or techniques have you used to travel the world cheaply?

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This article is from Carrie Kirby of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Here's Why Bus Travel Is Cheaper, Easier, and More Awesome Than You Think

Deia B — Wed, 01 Oct 2014 17:00:05 +0000

Buses are making a comeback. The number of inter-city bus departures has been rising since 2006, according to a study by the Chaddick Institute for Metropolitan Development at DePaul University.

And it's no wonder why. Airfares used to be cheaper in the recession days of 2009, but they have risen by almost 12% since then. As of January 2014, the average domestic roundtrip flight would cost you $363.42. As airfares get more expensive and plane seats get smaller, people are increasingly seeking other alternatives, and that means a bus boom. (See also: Alternatives to Flying: Other Ways to Get There From Here)

And these are not the buses your grandparents used to take either; these companies have impressive social media followings and equip their vehicles with high-tech toys.

So here's why — and how — you should take your next trip by bus.

Reservations

There are a couple of aggregate booking websites for buses, but they leave out some of the bigger companies, which makes them rather useless for comparison shopping. Generally, you're better off booking through the bus company directly.

The biggest and most established long-distance bus company is Greyhound, which covers the U.S. and Canada. Other bus companies — like Trailways, Megabus, BoltBus, Lux Bus, Vamoose, Tripper Bus, and RedCoach — may not serve as many cities, but may compete on service or amenities.

All of these bus companies have websites through which you can check bus schedules and make reservations. You can also purchase the tickets over the phone or at the station. If possible, visit the station ahead of your travel date to buy the ticket in person. I've heard horror stories about technical issues with online booking that lead to hours of frustration with various customer service representatives.

You can't choose your seat at the time of booking, so come early and get in line if you want seating options.

Price

Most bus companies offer low prices. After all, they know that customers would probably rather pay a little bit more to fly if bus fares weren't ridiculously cheap. On average, an inter-city bus fare is 79% cheaper than an advance-purchase airfare. The difference is even bigger when bus fares are compared with airfares purchased at the last minute, according to the Chaddick Institute study.

Some companies, such as Megabus and Tripper, often advertise $1 seats. But these promotional fares are rare, and you need to time your reservation just right to get them. To improve your chances of getting these fares, check the bus websites a few weeks before your travel date.

There may be other discounts that bus companies don't advertise, so explore the website thoroughly if you book online or ask the company representative if you book by phone or in person. Greyhound, for example, offers special companion fares if you travel with a friend and advance purchase discounts if you book your seats at least one week before the trip. There are also discounts for students, members of the military, and veterans.

Amenities

The inter-city buses of today are generally clean, comfortable, and reliable. A typical bus has a lavatory on board and air conditioning.

Power sockets and Wi-Fi are becoming common as well, although the Wi-Fi can be rather spotty, in my experience. In rural areas, there may not be any phone data service, so prepare to be disconnected from the Internet. Check your emails and post your social media updates while you still have Internet connection at home or at the bus station. For the best Wi-Fi connection, travel with Vamoose, RedCoach, Tripper, or Lux Bus.

If you happen to travel on a luxury bus, you may get to watch movies on the screens on board. However, the selection is likely to be limited, so store some good movies on your laptop or download a nice ebook before the trip.

Most buses have plushy seats that recline and plenty of legroom. But some bus companies take things one step further, with Lux Bus and RedCoach providing leather seats in their vehicles.

There are even luxury buses with attendants who distribute free snacks and alcohol as you sit back in your big seat. Yes, bus travel can get quite classy.

But even with the comfy seats, it can be difficult to sleep. Inter-city buses often make multiple stops along the way to your destination and you may even have to change vehicles. Check your route for these stops and transfers, then pack some sleep aids if you think you'll need them.

Safety

You may meet some colorful characters when you travel by bus, but the biggest danger of bus travel is the possibility of traffic accidents. For example, the vehicle may not comply with safety regulations or the driver may drive under the influence.

The Federal Motor Carrier Safety Administration maintains safety records of bus companies and rates companies based on their safety standards. You can access this information on your smartphone using the Saferbus app for Android and iOS. There is also a guide for the app on FMCSA's website and Facebook page if you need help using it.

There's always a small risk of your bag being misplaced, regardless of whether you fly or take the bus. Keep your valuables with you instead of checking them in for storage underneath the bus.

When you travel by plane, it's usually easy to hail a taxi at the airport. But when you get off a bus in a small town, you may find yourself alone in the middle of nowhere at an ungodly hour, so pay attention to the times and the locations of your pick-ups and drop-offs. Don't assume that every bus station is a busy transportation hub; make transport arrangements beforehand to get yourself from the bus station to your bed for the night.

Any more bus travel tips? Let us know in comments below!

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This article is from Deia B of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

7 Popular Vacation Spots That Aren't Worth the Money (and Where to Go Instead)

Paul Michael — Fri, 15 Aug 2014 15:00:04 +0000

When it comes to vacation benefits, America is in poor shape. According to the Hotels.com "Vacation Equality Project," America is the only advanced economy in the world that does not guarantee paid vacation days. As a Brit, I was shocked to learn that the guaranteed four weeks of vacation that I got in the UK was going to become just one week when I arrived here in 2001 (and I was told by my employer at the time to be thankful for that). (See also: 11 Vacation Destinations That Stretch Your Travel Dollar)

So choosing where to go on vacation is crucial. These vacation days we get are precious; we don't want to waste them. But so many of us ignore incredible vacation spots for more popular ones that are overpriced and overrated. Here are seven spots you should know about that aren't worth your hard earned money; let's call them the seven deadly sins of vacationing.

1. The Bahamas

Quite possibly one of the most overrated vacation spots in the world, the Bahamas is where people go when they think they want a relaxing beach vacation. Everyone has the same idea, and the beaches are not even that good (although they are wonderfully crowded). This is tourism hell, but you'll pay through the nose for it, especially is you stay at the Atlantis. If you're looking for beaches without the fuss, try other parts of the Caribbean. The Dominican Republic is beautiful and affordable, and you will get a lot of the beach to yourself it you visit Trinidad and Tobago.

2. Naples, Italy

When someone tells you they're off to Naples, you immediately think of all the best parts of an Italian holiday; incredible architecture, amazing food, beautiful scenery. However, one of the first things you will notice about Naples when you arrive is the smell. There are frequent garbage strikes, and Naples gets very hot. That's not a good mix. Organized crime is big in Naples (look up the Camorra network) and if you're not very careful, you could easily be robbed or mugged. Instead of Naples, or Rome, try something a lot less "popular." Sardinia is a much better bet, with a crystal clear sea, white beaches, and very few tourists to battle it out with. It's soul, without glitz.

3. Disneyland or Disneyworld

What?! No Disney? As comedian Jim Gaffigan said, "How can I spend an enormous amount of money, be uncomfortable, and listen to my children complain and whine?" That's the Disney experience for adults, and you really do pay for the "privilege."

Let's get it straight. You will be spending a lot of time standing in line for rides that last a few minutes. You will also be spending an awful lot of money on food that makes cinema popcorn look like a great deal. Disney is also designed to part you with your money as often as possible, and the nag factor ("mommy, daddy, can I have that pleeeeeaseeee") is huge. Forget Disney. There are plenty of great amusement parks out there that offer much better value. (See also: 8 Affordable Theme Parks That Are Just as Fun as Disney)

4. Dublin, Ireland

You know, there is more than one place in Ireland that sells a decent pint of Guinness. And yet every year, people from all over the world flock to Dublin for a taste of the other black gold. The Huffington Post named it one of the most overrated places on earth, and for many good reasons. For a start, Dublin caters to the tourist trade, and as such has become focused on keeping tourists happy. It's no longer a slice of traditional Ireland, and you won't see the the Emerald Isle's real culture or customs there. There are much more "Irish" places to visit, and they won't be bogged down by tourists. They include Dunmore East and County Kerry.

5. Las Vegas, Nevada

Vegas baby! Vegas! Vegas!! Yeah, yeah... Vegas. If you have a lot of money and are prepared to lose a chunk of it, Las Vegas is going to be great. Then again, anywhere is going to be great if you're that rich.

But if you're looking for a frugal vacation, Vegas is going to get old pretty quickly. Yes, you can get free alcohol if you gamble. You can even play the penny slots. But the alcohol is watered down, it's not served often, and you're still in a dimly lit casino. The clubs? They're expensive and you'll stand in line for hours. You will be hounded constantly about timeshares and "female company." And the famous hotel buffets are just buffets. You even stand in line for those. Forget Vegas. If you really must gamble and want to stay in the US, try Atlantic City. It's on the coast, it has the boardwalk, a lot of family activities, and it's nowhere near as crowded and sleazy.

6. London, England

As someone who lived in London for six long years, I am speaking from a great deal of experience. Yes, London has some wonderful historic buildings, but it is dirty, smelly, and incredibly expensive. Anyone visiting from the U.S. should plan on spending at least three times what they would spend on a vacation to most other parts of the world, due to the rotten exchange rate and the vastly overpriced goods and services in the big city.

Now, this is not to say you should avoid The London Eye, Big Ben, Hampton Court, The Tower of London and other attractions. What you should do instead is find a much more affordable part of England to stay in, and then pop to London on a train or National Express coach on one or two days of your vacation. Oxford, Cambridge, Brighton, Arundel, and Whitstable are all beautiful, affordable and about an hour from the center of London.

7. Dubai, UAE

For some reason, Dubai has become an insanely popular tourist destination over the last 10 years. Yet in polls taken by many travel websites, Dubai came out on top as the most overrated and overpriced place to visit. It has a lot of tall buildings. If that's your thing, it's a start. But as the construction work is constant, it's not exactly going to be a calming experience.

The city is a shrine to consumerism, and is home to things like "world's biggest mall" and "world's largest theme park." Get ready for the "world's largest disappointment" and the "world's most overpriced vacation." Give Dubai a pass, and instead try more cultural cities like Sharjah (home to many galleries, festivals, and museums), Muscat, or Abu Dhabi.

Vehemently disagree? Have another overrated destination? Let us know below.

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This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

The Guide to Staying at Hostels for People Over 30

Max Wong — Mon, 21 Jul 2014 17:00:29 +0000

While the term "hostel" seems synonymous with youth culture and student backpacking trips, I've met people of all ages and professions while staying in hostels. What many adult travelers don't realize is that hostels are great for business people, retirees, and even family vacationers who just want a clean bed to sleep in and a safe place to stash their luggage while they explore a new city. (See also: Best Travel Rewards Credit Cards)

Most hostels I've stayed in throughout Europe cost anywhere from $40 to $70 per night, far less than hotels in the same cities. While I've met a huge array of people from all walks of life in hostels, I've found that people who prefer to stay in hostels are united by a minimalist travel philosophy more than anything else. I've met European aristocrats who stay in hostels because they don't see the value in paying for a hotel room that they will basically use as storage for their laptop computers and spare underpants. It's not just about stretching a Euro. It's about a type of travel experience that puts human interaction over privacy. (See also: 5 Reasons to Travel Off the Beaten Path)

If I could only give one piece of advice about staying in hostels as an adult it's this: Read the online reviews before you make reservations. Reading online reviews is the best way to avoid experiencing what my sister and I refer to as Wong Family Travel Blunders. And by blunder I mean our parents accidentally booking us into a Panamanian brothel for a family vacation. (In my parent's defense, the brothel's beachfront view was spectacular.)

Hostelling International

Official hostels are part of a huge network of hostels that operate under the umbrella of Hostelling International. HI requires a membership, which is basically just a card that costs $28 per year and gives you discounts and benefits such as currency exchange and free email access during your stay. If you don't think you'll be staying at least six nights a year in HI hostels, then you can stay at most official hostels for an additional $5 per night, and save a little money by not buying a membership. There's really no risk in not signing up for a membership in advance, as after six nights, HI will give you a membership. If you decide to pay as you go, make sure you pick up a "guest card" at your first HI hostel and get it stamped each day, so you can prove you've stayed the required six night minimum for membership.

Although HI Hostels have to maintain safety and cleanliness standards to stay in the network (which is comforting) some official hostels still have curfews, daytime lock-out, limited check-in times, and other old-fashioned rules that are annoying to contend with as an adult business traveler who is arriving on the 3 a.m. train and doesn't want to wander the city streets until dawn.

Independent Hostels

Independent hostels are becoming more commonplace. Independent hostels are not part of the Hostelling International network and don't require a membership card. The benefit of independent hostels is flexibility; they don't have to conform to the rules and bureaucracy of Hostelling International. The drawback of independent hostels is that they don't have to conform to the rules of Hostelling International in terms of cleanliness. Also, while HI Hostels have gender-segregated dormitories, some independent hostels only have mixed-gender dorms and apartments.

For women travelers who do not feel comfortable sharing communal space with men (or just want a make-up mirror and hairdryer in the bathroom) there are hostels that cater to women who are traveling solo.

While there are some independent hostels that rival boutique hotels in terms of their charm, a lot of flea-bag hotels have started listing themselves online as hostels, since "hostel" apparently sounds more appealing than "flop-house" or "roach motel." (Do your research or risk staying in brothel.)

Although hostels supply guests with clean sheets and towels, you will have to supply your own soap and shampoo. While I don't enjoy schlepping extra toiletries with me when I travel, most hostels more than make up for this minor inconvenience by providing cheap or free Internet access and other money saving perks.

Book Early

Obviously, the best-reviewed hostels fill up early, especially during high tourism events like Oktoberfest and Carnivale. Make reservations early to ensure you'll have a place to sleep that fits your needs.

Pro Tip: Call the hostel directly!

Hostels, like hotels will usually hold a few beds for drop-ins, or don't update the online booking service when someone cancels a reservation. Even if the online booking service says there are no beds, it never hurts to double-check.

Also, if you like a specific hostel, quiz the owner or manager for leads on other great hostels. I've been able to daisy-chain incredible vacation accommodations with no advance planning by asking my current hostel staff to reserve me a bed in my next destination city.

Co-Habitating with Kids

While I am usually twice the age of most of my hostel bunkmates, at age 44, I am rarely the oldest person at a hostel. In fact, Hostelling International offers a reduced membership rate for people over 55, which make hostels a great deal for senior travelers.

Personally, I enjoy the company of Kids These Days, and likewise, exploring new places with people who are still full of vim and optimism about life. As a business traveler, sharing communal space with young adults is often a welcome respite after spending the day with grown-ups who view business travel as an inconvenience rather than an opportunity have fun.

That said, I value my sleep, and make a point of avoiding hostels that have glowing reviews about their 24/7 party atmosphere. As a night owl, I hate lock-out curfews. They are infantilizing and cramp my late night snack schedule. As an old person who went to college, I love lock-out curfews because they force my bunkmates who are hardcore, binge-drinkers to spend the night barfing in the street and not in our shared shower.

On a side note, because most car rental companies will not rent a car to anyone under 25 years of age, hostels in rural or suburban areas outside of the city center and beyond the reach of public transportation, usually cater to older people by default.

Consider Communal Spaces

While the classic hostel experience is sleeping in a twin bed, in a dormitory, and storing your luggage in a locker, many hostels offer private rooms or apartments with shared or private bathrooms. Sharing a private room in a hostel is a great way for couples to enjoy a romantic getaway on the cheap. Families can get a huge break on travel costs by sharing a suite or apartment.

Hostels with communal kitchens can make a pricey vacation affordable. When I travel I eat the free morning meal that the hostel provides (which can be anything from a cup of coffee and a cookie to a huge buffet), and at night I make a simple meal of bread, cheese and fruit in the communal kitchen. Eating in the hostel for two meals allows me to blow my food budget on extravagant and memorable lunches.

While I can count on one hand the number of bad shared bathroom experiences I've had in my life, take some precautions: Wear flip flops in the shower to avoid getting fungal infections and wake up extra early if you have an important morning meeting — you might have to wait in line for the shower. Also, if you are sharing one toilet with a number of strangers, be strategic about using it. Don't be the lady who pees in the sink of the communal kitchen because she waited until the last minute to go.

Frugal travelers, please share the name of your favorite hostel, or your best hostel tip in the comments below!

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This article is from Max Wong of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

15 Ways to Save the Most During a Hawaii Vacation

Damian Davila — Fri, 18 Jul 2014 11:00:04 +0000

Hawaii is a magical place that draws people from around the world.

Nearly 8 million visitors came to the Hawaiian Islands in 2012, with close to 5 million from the U.S. alone! As more and more people visit, there are more and more hospitality businesses offering their services to travelers. Which means sometimes just getting started can be overwhelming, not to mention costly. (See also: Best Travel Rewards Credit Cards)

To help you save the most in your next Hawaii vacation, here are the top 15 tips from a Hawaii resident.

Think Beyond Resorts

If you restrict yourself to resorts, you're imposing a major "beach tax" upon yourself.

1. Explore Other Hospitality Search Engines

Research shows that hotels have a financial incentive to rig the reviews from sites, such as TripAdvisor.com and Expedia.com. By increasing a single point on TripAdvisor's five-point scale, a hotel could increase its price by 11.2% and still maintain the same occupancy. This means that you end up paying an extra premium.

Here are some cheaper options to consider:

Airbnb: Just for Honolulu, the site offers over 1,000 possible accommodations. A great advantage of Airbnb is that hosts often are willing to act as your guide, provide complimentary parking (most places charge for this!), and give freebies.
HawaiiHostels.com: Young travelers (and young at heart!) may enjoy the option to interact with travelers from all over the world, while saving a buck. This directory includes hostels, such as Hilo Bay Hostel, Banana Bungalow Maui Hostel, and Kauai Beach House. Read the fine print and verify that you qualify for a stay before booking.
Bed and Breakfast: There are several B&B's across the Hawaiian Islands, however these smaller operations cannot afford to advertise as much as others. Start your search for the perfect B&B with directories, such as Bnb.com, and the B&B Hawaii Island Association.

Tip: Clear your browser cookies every single time that you visit any hotel booking engine, so that prices don't "suddenly" start going up, forcing you to book ASAP.

2. Dine, Shop, and Use Services Outside Resort Areas

Don't do this:

Chowing on a burger at Aulani Disney Resorts costs you a cool $21, and that's before tax and tip, and parking (sorry, Mickey doesn't give parking validations).
Learning to surf right on Waikiki with starts at $60 per hour (with a group) and goes up to $110 per hour (with a private instructor).
Renting a snorkel set from a hotel is a double whammy: a poor fit that diminishes your enjoyment and a $12-$20 hit every rental.

Do this instead:

Eat a Flintstones-sized burger at local chains, such as Kua Aina Burger or Teddy's Bigger Burgers, starting at $5.99.
Rent a surfboard at local businesses outside the Waikiki area, such as Blue Planet, for about $19 for a whole day or $149 for a whole month.
Invest in a new snorkel set that fits you well at a local Walmart or Costco. In just two dives you'll make your money back, have a great experience, and may even be able to return the gear.

Enjoy Free Activities

The Hawaiian Islands offer unique experiences, and the best part is, many of them are free. (See also: For Amazing Affordable Vacations, Travel Slowly)

3. Hiking

Hawaii has lots of hiking trails. For example, in the Hawaii Kai area you can find the Kuliouou Ridge Trail, the Koko Head Steps (a.k.a. Nature's Stairmaster), and the Dead Man's Catwalk. Most hiking trails in Hawaii have no admissions fee and provide free street parking.

Explore a full listing of hiking trails and select a trail that matches your fitness level.
Bookmark sites that provide visual guides, such as Unreal Hawaii and EveryTrail.com, on your smartphone for your reference throughout the hike.
Be prepared and follow the hiking safety guidelines from the Department of Land and Natural Resources.
Among the very few trails that charge an admissions fee, the ones that are worth every penny are: Diamond Head Crater for its historic importance, and Haleakala National Park for its unique landscape.

4. Surfing

There is plenty of surf around the island. Locals stay on top of the latest surf forecast through the Surf News Network. Keep in mind the difference between regular height and Hawaii height of waves. In Hawaii, surf measurements are always in feet and scaled so the actual height on the face is roughly twice what's quoted.

All beaches have public access by law, no one can charge you for surfing on the ocean.
Avoid leaving valuables in your car, they are safer at home.
Never surf alone in a beach that you've never been before.
Oahu is chock full of opportunities to catch a wave.
Pick a surf spot for your skill level; there are spots even for beginners.
Wear plenty of sunscreen, and a rash guard (think wetsuit T-shirt) is always recommended for long sessions.

Do What Locals Do

When in Hawaii, follow the locals for the most fun and affordable activities.

5. TGIF

Skip the flyers handed to tourists full of overcharged events, and read the TGIF section from the local newspaper, which comes out every Friday and is also available online.

6. First Friday and Last Friday

In Oahu, every First Friday of the month visit Chinatown (free admission) and every Last Friday, the Honolulu Museum of Art ($10 admission)

7. Block Parties

Honolulu offers free-admission block parties or celebrations in the Chinatown and Waikiki areas around the year, some examples are:

Honolulu Festival: Marvel at the eclectic cultural mix that Hawaii offers.
Waikiki Spam Jam: Celebrating Hawaii's official "meat."
Lantern Floating Hawaii: Beautiful tradition to remember our loved ones in May.
Halloween's Hallowbaloo: A major block party with costumed partygoers in October.

8. Important Landmarks

Visit important landmarks for great photo opportunities, such as the King Kamehameha Statue (both in Oahu and Big Island), and the Duke Kahanamoku Statue.
Invest in visiting the Iolani Palace, the only real palace in the entire U.S. (admission starting at $14.75 for adults and $6 for children)

9. Eat the Street

A family friendly food truck event that takes place on the last Friday of every month in Kakaako. Eat the Street Hawaii gathers 40 food trucks and vendors from 4 p.m. to 9 p.m. View the full calendar of upcoming events and check if one takes place during your visit to Oahu.

10. Yelp Bash

Attention Yelp fans and elites: the local community is very active and has several free bashes throughout the year. While the event is by invitation only, it doesn't hurt to submit your RSVP and see if you qualify. RSVP confirmations are usually emailed out 48 hours before the event. The events offer free food, drinks, and entertainment. Plus, you have the chance to meet new local friends during your stay.

Avoid Big Fines

While local culture has a pretty relaxed attitude, Hawaii still has laws that everybody needs to follow. If you don't, then be ready to pay up.

11. Don't Use Cell Phone While Driving

Using your cellphone while driving is fined with $207, and $307 in school or construction zones.

12. Respect Local Animals

Hawaii offers great opportunities to spot beautiful wildlife. For example, in Oahu you can get close to green sea turtles in the North Shore's Laniakea Beach and to dolphins out in the ocean in Waikiki. However, you need to keep your distance and observe the suggested viewing guidelines. If not, then there are fines for disturbing animals in Hawaii, ranging from $500 all the way up to $100,000.

13. Use Your Seatbelt

Click it or ticket! If you don't and are caught, then you can be fined $102 on Oahu, Maui and Hawaii, and $112 on Kauai. Repeat offenders may get additional fines up to $500 and be required to take a four-hour class.

14. No Jaywalking

Be careful when crossing the street and wait until you have the right of way. In Honolulu, the top two spots that tourists get fined for jaywalking are Waikiki and Chinatown. The fine for not using the crosswalk or ignoring the "don't walk" sign is $130.

15. Agricultural Inspection

And before you leave back to the mainland, don't forget to let airport staff do the agricultural inspection for all your checked-in baggage bound. Otherwise, you may get a fine.

How do you save during your Hawaii vacation?

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This article is from Damian Davila of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

$20 in Baltimore: The 20 Best Ways to Spend It

Mikey Rox — Tue, 10 Jun 2014 17:00:20 +0000

Baltimore isn't exactly a destination city, but if you find yourself in the area, you can be sure that you'll be anything but bored. From relaxing rides on a water taxi to checking out John Waters' old haunts, Charm City has a little something for everyone at an affordable price. Check out these 20 things to do for $20 or less. (See also: Best Travel Rewards Credit Cards)

1. Ride the Water Taxi Around the Harbor

For just $7 one way you can board the Baltimore Water Taxi, which will take you on a relaxing ride around the famed Inner Harbor en route to local landmarks. You'll see the National Aquarium, the Maryland Science Center, and Fort McHenry, and travel to nearby neighborhoods like Fells Point and Canton. You can hop off at any of the taxi's 17 stops, but you'll have to buy another ticket if you plan to ride it back. Savvy spenders, however, will buy the $12 all-day pass that allows you to hop on and off as much as you'd like. (See also: $20 in New York City)

2. Picnic at Fort McHenry

Fort McHenry, a coastal star-shaped fort best known for its role in the War of 1812, is a great place to brush up on your history (there's more to this national monument and historic shrine than being the birthplace of our National Anthem) and remember those who fought for our freedom all those years ago. Make a day of it by packing a picnic that you can enjoy along the water's edge. Admission is $7, and the pass is valid for seven days.

3. Enjoy the Scenery at the Walters Art Museum

Home to thousands of artworks from around the world, The Walters Art Museum was founded in 1934 and still remains one of the most popular attractions in Baltimore. Perhaps that's because admission is free, but the museum also is well known for its permanent collection of ancient, medieval, Asian, and Islamic art. The limited-time exhibitions are worth popping into, but those require a fee.

4. Settle In for a Double or Triple Feature at the Local Drive-In

Hands down, spending an evening at Bengies Drive-In Theatre (located about 20 minutes from the downtown area) is one of my favorite activities in the area — and you can't beat the deal. For an admission price of around $8 (prices vary according to the website), you can watch two or three first-run movies back-to-back starting at dusk. It's a fail-proof date night; trust me. There's also a concession center where you can stock up on all your favorite movie munchies, or you can bring in your own goodies if you buy a $10 food and drink permit. Bring pillows, blankets, and bug spray to make the experience all the more comfortable.

5. Play a Game of Disc Golf at Druid Hill Park

Druid Hill Park, which is situated adjacent to the Maryland Zoo in Baltimore, features 745 lush acres of playgrounds, ball fields, tennis courts, and public pavilions, among many other recreational areas. One of the most interesting activities the park offers is disc golf, which is played like golf on an 18-hole course with a Frisbee replacing the ball (and clubs and snootiness). Get a group together for a little friendly competition.

6. Visit the Animals at the Maryland Zoo in Baltimore

If you're an animal lover, you'll enjoy the Maryland Zoo in Baltimore, home to a wide array of mammals, reptiles, amphibians, and more. Among the most popular attractions is Polar Beach Watch, an exhibit about life on the edge of the Arctic. You'll use most of your $20 budget on admission — it's $17.50 — so you might want to pack your lunch.

7. Visit the Graves of Historic Figures

Plenty of famous (and infamous) people have lived and died in Baltimore. Thus, if you enjoy delving into the macabre every now and then, plan a visit to a local cemetery — like Green Mount Cemetery — where you can visit the graves of Betsy Bonaparte, John Wilkes Booth, and a large number of the state's politicians and servicemen.

8. Try Your Luck at LGBT Bingo

For $20 exactly you'll receive a book that will allow you to play LGBT bingo at the Hippo for several hours every Wednesday night. Though the price is hefty, your investment could pay off in cash prizes or the progressive jackpot.

9. Experience Cinema in a Beautiful Setting

For the low, low price of just $6, you can catch a movie at the Rotunda, a favorite local landmark. And since you saved so much on admission, you can splurge at the concession stand.

10. Get Inspired at the American Visionary Art Museum

If your idea of great art includes mirror mosaics and paper mache statues, the American Visionary Art Museum is right up your alley. There's lots to enjoy here — inside and out — and it'll only set you back $15.95. Show your student ID, however, and you can gain entry for $9.95.

11. Have Lunch at the Famous Lexington Market

Opened in 1782, the World Famous Lexington Market is one of the longest-running markets in the world and a true Baltimore icon. Inside you'll find a plethora of shops, but it's the food that keeps the crowds coming. If you want to eat like a local, order an all-lump crab cake ($12.95) for which Faidley Seafood is renowned; snag a bag of fresh Utz potato chips; and satisfy your sweet tooth with a Berger Cookie, a shortbread delicacy topped with a thick layer of chocolate fudge.

12. Say Your Prayers at the First Metropolitan Cathedral Built in the U.S.

If you have an urge to get closer to God during your trip, pop into the Basilica of the National Shrine of the Assumption of the Blessed Virgin Mary — billed as America's first cathedral — for a few moments of peace. While you're there, look around to discover neo-classical architecture, a 17th century organ, artwork, and more.

13. Show Your Team Spirit at a Baltimore Orioles Game

If you don't mind nosebleed seats, you can watch the Baltimore Orioles take on a rival team from April to October for under $20 — sometimes less than $10, even. Food and drinks inside the park will add up quickly, so I recommend grabbing your hot dog, peanuts, and drinks from a street vendor and taking them inside. Luckily, Camden Yards allows outside food and beverages.

14. Put On Your Dancing Shoes for Free Salsa Lessons

If you feel like cutting a rug — and learning a few new steps along the way — stop by Talara Restaurant for free salsa lessons from 9 to 9:30 p.m. with open dancing from 9:30 p.m. to midnight.

15. Test Your Knowledge at Bar Trivia in Federal Hill

Another one of my personal favorite activities, bar trivia in Baltimore will test your knowledge in a wide range of categories. You'll vie for prizes like free shots and money toward your tab all while kickin' back with friends and learning something new. It's free to play, and there are plenty of locations from which to choose, courtesy of Charm City Trivia.

16. Cool Off On a Hot Day at the Walter Sondheim Fountain

Weather too hot to handle? Visit Baltimore in July or August, and it may be. Don't get me started on the humidity. Yeesh! Thankfully, there's a free way to cool down with the public Walter Sondheim Fountain. All you have to do is slip on your swimsuit and act like a kid again.

17. Exercise Your Dog in Patterson Park

Spend some quality time with your pooch at the Patterson Dog Park, a fenced-in off-leash park where your furry friend can run and play all day. Afterward, take a walk around the grounds to appreciate its storied history that dates back to 1669.

18. Ride Your Bike Through the Gwynns Falls Trails

Hop on your bike and ride along 15 miles of the Gwynns Falls Trail, which starts on the Baltimore City/County border. Bring a camera to snap shots of wildlife, like the native Oriole bird.

19. Become a Hon During a Walking Tour of Hampden

Baltimore is known for a lot of things — crab cakes, snowballs (you MUST find one while you're in town), pit beef, Natty Boh — but its most characteristic element is the Baltimore accent, which is at its heaviest in the Hampden neighborhood to the north. Famous for its Hon subculture (there's even a festival to celebrate it), and its appearance in several John Waters movies, Hampden is a great place to soak up the quirky idiosyncrasies that make Baltimore special.

20. Start Up a Game of Bocce Ball in Little Italy

La Scala Ristorante Italiano can put a dent in your wallet if you don't watch yourself, but there are items on the menu that are both filling and affordable. After you've noshed at this Little Italy staple, head to its private bocce ball court, where, if you're lucky, you can start a game with a friend or join a game already in progress.

Are you from Baltimore? Ever been there? Tell me some of your favorite activities for less than $20 in the comments below.

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This article is from Mikey Rox of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

How to Get Travel Discounts on Stuff You've Already Booked

Deia B — Thu, 29 May 2014 08:36:24 +0000

Travel booking is a complex game. You spend hours researching and monitoring various websites to get the best deals on flights, hotel reservations, and rental cars. If the price drops after all your hard work, you can feel like all your effort has been wasted.

Fortunately, there are several tools you can now use to protect yourself from price fluctuations. These tools monitor prices, so you can take advantage of any price drops that happen — even after you've made a booking. (See also: Secrets of Last Minute Travel)

1. Yapta

With Yapta, all you have to do is enter your flight details into the system. This website then tracks the price of your flight and sends you a notification if it drops. You'll have to claim the refund from the party who sold you the airfare, so it will make your life easier if you booked directly with the airline.

Your experience of Yapta will depend a lot on which airline you booked because each airline has a different set of re-booking rules. Yapta works with several airlines: Alaska, JetBlue, AirTran, Virgin America, Hawaiian, American, Delta, United, and U.S. Airways. While Alaska and JetBlue will provide full refunds, other airlines charge re-booking fees. All airlines give these refunds in the form of vouchers or credits for future travel.

You can choose to get Yapta alerts by email, through its Internet browser add-on, via Twitter messages, or through its iPhone app. No matter which option you choose, this service is free.

2. CheapAir

If you make an airfare booking through CheapAir, you can take advantage of its Price Drop Payback feature, which gives you CheapAir credits of up to $100 per ticket if the price goes down. This free price drop protection applies to all airfares booked through the website, but you'll have to do a bit of work to get the refunds.

CheapAir will not send you any alert, so you'll have to check the website from time to time after booking the flight. You can sign in at any time before your flight to quickly check the prices on the website. If the airfare has dropped, you can claim the travel credit. But you'll have to be careful; you can only get the Price Drop Payback credit once, even if the price goes down multiple times.

3. TripIt Pro

TripIt Pro is not just a price drop alert tool; it's a travel organizer with many other features. It manages all your travel bookings, including flights, hotels, car rentals, and many more. You can integrate it with your email accounts to save all booking confirmations in one place. You can even link it to your social media accounts to quickly share your itinerary with your friends.

This smartphone app has a flight refund feature that tracks price fluctuations and lets you know if you can claim refunds. TripIt Pro takes into account the airline's re-booking fees, so you'll know exactly how much you can save. You'll have to contact the airline, the booking website, or the travel agent to claim the refunds, however.

Besides flight prices, TripIt Pro also tracks seat availability, air miles, delays, and cancellations.

TripIt Pro works on Android, iOS, and Windows Phone 7 smartphones. It costs $49 a year, but you can try if for free for 30 days. As the website says, "a single flight refund can more than pay for the price of TripIt Pro."

4. Tingo

When you book a hotel room through Tingo, the website continues to monitor the hotel rates up until 24 hours before your check-in date. If the price drops, Tingo will re-book your room at the lower price. Every time this happens, you'll get an email with your new booking details.

You won't have to do anything or pay any re-booking fees. There's no limit on the refund amount, either. The cash refund will be credited into your credit card after you check out.

Just be careful when you make the booking. Tingo only offers the price drop protection for refundable hotel bookings. The website does sell some non-refundable hotel rooms, so read the listings closely and stick with those explicitly marked "Price Drop Refunds."

5. AutoSlash

You can use the price tracking feature on AutoSlash for free even if you booked your car rental elsewhere.

In fact, it may even be better if you booked it elsewhere. Many car rental companies don't like that AutoSlash is lowering their profits, so now the website can't display these companies in its search results. In other words, there are few choices available when you initially search for car rentals on AutoSlash. But that doesn't matter much because AutoSlash works hard after you've made the reservation. (See also: Save on Your Next Car Rental Without Even Trying Hard)

Regardless of where you book, AutoSlash tracks your booking and monitors your options. If AutoSlash can find a cheaper option, it will re-book you at the lower price, applying any relevant coupons and discount codes. AutoSlash continues to do this as many times as it can to lower your rental rates.

There are no refunds involved with AutoSlash because you'll only pay for the rental when you pick up the car.

Have you taken advantage of these or any other price monitoring services? Please share in comments.

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This article is from Deia B of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

10 Best Ways to Spend $20 in Chicago

Carrie Kirby — Wed, 28 May 2014 09:12:28 +0000

Despite its Midwestern location, Chicago is not a cheap city; a stroll down the Magnificent Mile will make that clear. Still, affordable outings can be had if you know where to look. Here are the 10 most fun, satisfying, or edifying adventures you can have in Chicago for about $20.

And even after you and Andrew Jackson have parted ways, the fun won't be over, because you can still go see The Bean in Millennium Park — it's free. (See also: $20 in San Francisco: The Best Ways to Spend It)

1. Laugh Your Face Off

Chicago is justly famous for its sketch comedy troupes, crowned by The Second City. While Second City's main revue starts at $23, other hilarious acts at the famed theater go for $17 a ticket. Order on the phone and the service fee brings the tab to exactly $20, or walk up to the ticket office and save the extra $3 for a drink.

2. Cry Your Eyes Out

No ballpark in America is more guaranteed to make grown men (and women) cry than Wrigley Field. Whether it's the beauty of the Friendly Confines or the Cubs' heartbreaking knack for blowing leads, this place gets to all of us one way or another. You can spend well over $200 on a seat by the dugout, but you can easily get into the park for under $20. StubHub lists a number of Upper Deck seats for $18.50 or less, and the box office sells standing room only tickets on game day; at last check these were still well under $20 each.

3. Sink Your Teeth Into Meat

Sink your teeth into some encased meats, that is. Anyone can say they went to Chicago and ate a hot dog, but if you want a real Chicago hot dog experience, you have to line up at Hot Doug's Sausage Superstore and Encased Meat Emporium, where a new wild game sausage is featured each week, and where the dog formerly known as the Shawon Dunston is now called the George Mitterwald (it's a chicken sausage on a bun). Two hot dogs, two orders of duck fat fries, and two "pops" (sodas) will run you about $20. (But hurry! Hot Doug's will close for good in October 2014.)

4. Go for a Swim

A Western newspaper travel editor recently visited Chicago and expressed surprise that the city has beaches. Oh, yah! Chicago has 26 miles of lakefront, and on summer weekends, favorite beaches will be crowded from the North Side to the South Side.

City beaches don't charge entrance fees, but at some you'll need to pay for parking at meters or in pay lots.

If you score free parking, you can save your $20 for umbrella drinks at one of the beach bars.

5. Take a Walk

Walking tours with the Chicago Architectural Society run from $10-$31, and you can learn about the Chicago Board of Trade, famed architect Daniel Burnham, and many other topics. The Society's boat tours are more renowned, but the only way you can get one of those for $20 is to pair up with a member, who can get the $37.85 tickets two-for-one.

6. Ride a Ferris Wheel

The world's first Ferris wheel debuted in Chicago in 1893, but don't worry — the 150-foot Navy Pier Ferris Wheel is not that old. The views of the city and shoreline from the top are spectacular. For $12, you can ride not only the big wheel but also another Pier attraction, like the Wave Swinger — and still have money left over for Dippin' Dots or Haagen-Dazs.

7. Visit a Museum

You can see SUE the T. rex at the Field Museum; adult admission is $18. Or venture off the beaten path to the International Museum of Surgical Science, where you can view a 500-year-old amputation saw and some of the oldest X-rays ever taken.

8. Drink Scotch

A flight of scotch, that is, at the Duke of Perth. You've heard of Irish pubs, but Duke of Perth is a Scottish pub, with 90 varieties of single malt scotch on the shelves. Flights of three different varieties start around $20 and go up — way up — from there. Another alternative for your $20 is to take a date to the all-you-can-eat fish fry on Wednesday or Friday, a steal at $10.25 each (Sorry, you'll need to scrounge 50 cents out of your sofa cushions for this one.)

9. Ride the L

Riding the venerable rail system anywhere is a Chicago must, and you can get a three-day unlimited pass for $20.

10. Meet Two Famous Chicagolanders

Two $2.25 one-ride L tickets will get you a trip on the Green Line to Oak Park and back. In this village just outside the city's western border, you can tour Frank Lloyd Wright's home and studio for $15.

Oak Park is also famous as the birthplace of Ernest Hemingway; touring the Hemingway birthplace and museum costs $10. Wright's Unity Temple, another popular tour, is $15.

What's your favorite way to spend $20 in Chicago? Please share in comments — it's free!

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This article is from Carrie Kirby of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

5 Cheap, Amazing, and Undiscovered Vacation Destinations

Brittany Lyte — Wed, 28 May 2014 09:00:57 +0000

The world's lesser-known travel destinations have something the Bahamas and central Paris have long lost: authenticity. Luckily, there are still some awe-inspiring locations on the map that have yet to attract the endless lines of tour buses and tacky souvenir peddlers that plague the globe's more popular landing places. (See also: 11 Vacation Destinations That Stretch a Dollar)

Here's a list of five great, off-the-beaten-path vacation destinations that haven't yet lost their local charm. Visit now before these hidden gems go the way of Honolulu and Manhattan — overrun with camera-slugging tourists and jacked-up prices.

1. Bosnia and Herzegovina

Lush green landscapes, sky-piercing mountain peaks, and friendly fishing villages along clear blue waters await the rare traveler who ventures to this Mediterranean treasureland. While perhaps better known for the bloody conflicts that plagued the region, Bosnia and Herzegovina has since become one of southeastern Europe's best kept secrets for sightseers of all stripes.

A trip to Bosnia and Herzegovina is like traveling back in time. The locals here are warm and welcoming. Tourists are scant, which means you can dip in secluded, turquoise swimming holes without the bother of noisy crowds. The region's rural parts are also ideal for crowd-free hiking, complete with drop-dead gorgeous views. And once you've toured the beautiful countryside, there are plenty of urban acres left to explore.

Sarajevo, the capital city, is a place characterized by both its residual battle scars and a jovial, bohemian vibe. The streets are filled with hookah cafes, artisan bazaars, and quirky performance theaters as well as buildings riddled with bullet holes from the '90s civil war. Hearty Bosnian stews, grape leaves stuffed with meat and rice, and homemade Turkish Delight can be had in large portions at low prices. And just about every street corner offers majestic views of the steep mountaintops that played host to the 1984 Winter Olympics.

If you go, be sure to visit Sarajevo's museum dedicated to the partially collapsed wartime tunnel hidden beneath the airport runway. The tunnel, hand-dug by Sarajevans, was once the only link to transport humanitarian aid, war supplies, food, and people in and out of the city during the Bosnian War.

2. St. Petersburg

Nicknamed Venice of the North, this architecturally brilliant Russian city is divided by its 65 rivers and canals into 42 islands, making for a uniquely maritime urban landscape. St. Petersburg is a place of opulence and beauty as well as the all-too-copiously consumed Russian vodka that's a mainstay of just about every meal. Romantic cruises aboard open-air boats complete with lap blankets and candlelit dinners of doughy pelmeni also make this city a perfect escape for lovers.

St. Petersburg's most visited attraction is the State Hermitage Museum, an ornate royal palace filled with some one the most cherished artwork on earth. Here you'll find works by Matisse, Picasso, and da Vinci, to name a few. Another sight not to be missed is the Church of Our Savior on Spilled Blood. Commonly called the Church of Spilt Blood, this gorgeous building resembling a fairytale castle is where Emperor Alexander II was assassinated in 1881 by revolutionaries who bombed his carriage. Another building of note is the Hotel Astoria, where Hitler planned a banquet to celebrate his wrongly assumed World War II victory. (The invitation cards were printed, but, of course, the banquet never took place.) Art and architecture buffs will also appreciate lesser-known features scattered about the city such as the world's only equestrian statue with just two points of support.

Perhaps the best way to enjoy this picturesque metropolis is to simply stroll its riverfront streets and tiny connector bridges. Go ahead, get lost. Along the way you'll discover cozy coffee dens, rooftop garden bars, hidden souvenir shops, and exotic sphinx statues imported straight from Egypt.

3. Tahiti

Floating in the heart of French Polynesia, Tahiti is made of powdery beaches, turquoise surf, raging waterfalls, craggy volcanic peaks, sweet-smelling hibiscus flowers, and delectable fresh fish. Though it is the largest island in this South Pacific island chain, it has well under 200,000 inhabitants and a rustic, laid-back vibe. Above all, Tahiti is a place for exploration and utter relaxation. If you go, be sure to leave your worries at home.

Much of the island's magic can be experienced without plans or reservations. Stroll the long, white beaches. Search for fish hiding in the technicolor coral reef. Drink potent Mai Tais under the moonlight.

But there are certain must-do adventures that are worth a bit of planning and coordination. Trek to the Hitiia lava tubes; strap on a harness and rappel down a waterfall; and shop for artisan treasures, fresh fruit, and natural oils at the 150-year-old Public Market of Papeete.

And if you have the time and means, ferry over to some of the more remote neighboring islands such as Bora Bora — a magnet for honeymooners — and drop-dead gorgeous Moorea. These outer islands are similar to Tahiti, but even more untouched.

4. Cambodia

Golden temples, thick-canopied jungles, rice paddies, and seemingly endless white sand beaches await those who set out to explore this small Southeast Asian country. Cambodia is a perfect destination for the more adventurous traveler. The country is still developing, which means your travel plans might not always run as smoothly as clockwork. The upside is that a trip to Cambodia is incredibly cheap. Comfortable hotel rooms go for about $12 to $22 a night. Dinner will cost you just a few bucks, while most tours and attractions are between $10 and $20 for entry.

Cambodia's mystical floating villages are a must-see. These river houses built on bamboo stilts are otherworldly, and the locals who live there are warm and friendly, happily vending food and artisan goods to tourists.

The world's largest religious monument, Angkor Wat, is also here in Cambodia. Originally a Hindu place of worship, this well-preserved Buddhist temple is one of the most spellbinding sites on the entire continent. Banteay Srei is another temple popular among travelers. This beautifully carved 10th century red sandstone structure was built in honor of the Hindu god Shiva.

If you're looking to spend time at the ocean, Sihanoukville is the most popular beach party town, complete with deserted islands, world-class diving, and a rowdy late-night scene. For those who prefer secluded stretches of white sand, nearby Kep offers the same coastal beauty without the crowds and the noise.

5. Lesser Poland

Poland's more rustic, southern region is home to Krakow — the country's second-largest city, yet one that can been seen on foot in a single day. Quaint cobblestone streets, a Gothic hilltop castle, the largest medieval square in Europe, and the site of the factory that inspired the Hollywood movie "Schindler's List" await the traveler who ventures here. So do plates of sweet and savory dumplings, delicious regional amber ales, and the Polish people — known worldwide for their friendly, outgoing sensibility.

On the city's outskirts are several sights well-worth seeing, including the Wieliczka Salt Mine, which boasts dozens of ornate statues and chapels carved entirely out of salt, and Auschwitz-Birkenau Memorial and Museum, the profoundly sad but important and well-preserved site of the most deadly of all the Nazi death camps.

Pope John Paul II was born in the small city of Wadowice, located an hour south of Krakow. During a highly publicized homecoming from the Vatican in 1999, the pope recalled going to a local bakery after school with friends and pooling together money for slices of his favorite custard cake. Now every bakery there serves the pastry, rebranded the World-Famous Papal Cream Cake.

Even farther south are less known locales with rich history and gorgeous natural views. Not far from the Slovakian border is Bielsko-Biala a destination for locals and tourists alike who come to ski, hike, and pamper themselves at spas in the surrounding mountains. Here there are tiny, whimsical ski towns from where ski jump champions have hailed, expansive spruce forests, and picturesque campsites along rivers teeming with fresh fish.

What's your favorite frugal travel destination? Tell us about it in the comments section.

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This article is from Brittany Lyte of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread: