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Tips for save money on next vacation

juAmericans are notorious for leaving their vacation days on the table partly because of work pressures, but also because they think they can’t afford trips. Financial expert Jill Schlesinger visited MONEY to offer a few vacation planning tips:

Set a realistic budget

Do enough research to figure out costs in advance, and then plug the trip in as a separate line item in your annual budget, so that you’re not scrambling to come up with cash just when you’re dying to get away.

Expect the gotchas

From breakfasts to museum costs to special excursions, make sure you’re budgeting well beyond just hotel and dinner costs.

Save separately

To avoid diverting your travel funds to cover day-to-day costs, set up an automatic monthly transfer that will create a separate pot of money dedicated to your vacation.

Don’t skip time off

Even if you’ve got big costs elsewhere, commit at least to a staycation. To make it special, treat it as you would an out-of-town vacation: Spend time at museums or other tourist spots you might not otherwise have time for, don’t check work email, and avoid blowing that time off on ordinary errands and chores.

You should also be aware of foreign transaction fees your card may impose, and see if you can get around ATM fees. Start your search for a new card at MONEY’s Best Travel Credit Cards.

Tips to Avoid Major ATM Fees in Europe

ATMs are getting trickier to use overseas, with some offering “dynamic currency conversion”—asking if you want the ATM to convert your dollars into local money, instead of letting your home bank do it. Agree, and you’ll get hit with a service fee, usually 2 to 3 percent. Some travelers in Europe have spotted sneaky tactics, like buttons that seem designed to confuse you into accepting and machines that ask repeatedly if you’re sure about your choice. Read each screen carefully before completing your transaction.

Also watch out for a double-whammy of fees from your home bank—some big banks charge 3 percent plus $5 for each international withdrawal. The ATM operator can tack on a fee, too. To avoid the extra costs, use in-network ATMs, if your bank has them. We’re not talking about the Plus or Cirrus networks, which just indicate whether your bank card will work at a particular machine. Bank of America customers get fee-free use of cash machines operated by its partners, including BNP Paribas in France and Deutsche Bank in Germany and Spain. Citi has its own branches in London, the Czech Republic, Hungary, Poland, and Russia. Or, open an account with a bank that refunds ATM charges: credit union USAA, for instance, will give back $15 in fees each month.

Tips for the US Abroad To Visit

If you’re planning your first trip overseas, millennial money expert Stefanie O’Connell has some money-saving tips.

Alert your bank that you plan to take this trip. You don’t want to be in a store, trying to make a purchase only to find out that your credit card is declined.

If you tell your card issuer that you’re going overseas, you may be able to avoid that.

You should also be aware of foreign transaction fees your card may impose, and see if you can get around ATM fees. Start your search for a new card at MONEY’s Best Travel Credit Cards.

 Also watch out for a double-whammy of fees from your home bank—some big banks charge 3 percent plus $5 for each international withdrawal. The ATM operator can tack on a fee, too. To avoid the extra costs, use in-network ATMs, if your bank has them. We’re not talking about the Plus or Cirrus networks, which just indicate whether your bank card will work at a particular machine. Bank of America customers get fee-free use of cash machines operated by its partners, including BNP Paribas in France and Deutsche Bank in Germany and Spain. Citi has its own branches in London, the Czech Republic, Hungary, Poland, and Russia. Or, open an account with a bank that refunds ATM charges: credit union USAA, for instance, will give back $15 in fees each month.