I backpacked around Europe last summer and held onto my handbag for dear life at all times. As a poor student carrying around over 500 Euros, I couldn't take any chances. At one point I ran out of money and used my UK debit card to withdraw cash from an ATM, only to receive frantic calls from my bank to see who had been using my card at a bank in Rome.

This summer I made a similar trip around the US and I came across the concept of prepaid cards. I loaded my dollars onto it before I left and it was like having a local debit card. I could even withdraw cash from it at an ATM. When I ran out of money I just sent a text message to the card account and bought currency to put on the card in just two minutes. I think the card is also available in Euros.

It's now as much of a holiday staple for me as my sun tan lotion and flip flops.

www.pocketcurrency.com

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