Rent a Bike in Europe for Nearly Nothing

After looking for years for the perfect toiletries bag and being frustrated by many that were less than ideal, I finally discovered one that is just right: a soft-sided lunch box I bought at the supermarket. It has an outer zipped pocket with small compartments and slots perfect for often-used items like a toothbrush and toothpaste. There's a small removable zipper pouch inside (meant for a small ice pack) for those smaller, hard-to-find items like nail files and pill bottles. The remaining space inside is just right for larger items like shampoo and hand lotion. Other helpful features include both a small handle and shoulder strap and a waterproof, easy-to-clean interior. As an elementary school teacher, I know firsthand that it'll last: It was designed to withstand daily use by kids!

Pick just two colors to mix and match throughout your trip. You'll cut down on luggage, not least because you won't have to bring a bunch of shoes to match a wide assortment of colors.

We always e-mail our itinerary--including flights, hotels, and confirmation numbers--to ourselves and to family members. If our luggage is lost or our wallets are stolen, all of this essential information is just an Internet café and a few quick clicks away.

Save the flip-flops you're given at the nail salon after a pedicure. They make great shower shoes. They're lightweight and dry quickly, and you can throw them away at the end of your trip.

Some people think that traveler's checks aren't necessary anymore, but they really can be useful in a variety of situations. My ATM card wouldn't work on Easter Island, where most restaurants did not accept credit cards and wanted to be paid in pesos. Luckily, our hotel cashed my traveler's checks and gave me the pesos I needed. On Dominica, my purse was stolen. But because I had traveler's checks stashed away in my luggage, the vacation wasn't ruined. I always travel with what I call the "trusty four": American dollars (lots of ones and fives divided up and hidden in several locations), traveler's checks, an ATM card, and a credit card.

If the porters haven't delivered your luggage to your door by the first night of the cruise, check what our experts call the "naughty room." Security will store any bags containing contraband (like candles, alcohol, or coffeemakers) in this centralized location until you come claim it. You'll be able to pick up your bag on the first night, but banned items will not be returned until the end of the trip.

When seeking a cheap airfare, don't forget to consult the Web sites of the major charter tour operators--like Apple Vacations, TNT Vacations, Vacation Express, or SunTrips--which frequently sell air-only tickets in addition to air-and-hotel packages. Doing so helped me slash the cost of round-trip airfare to visit my mother in Las Vegas by well over 50 percent.

I enjoy off-peak travel best--rates are cheaper, lines are shorter--but the weather can be iffy. To combat Mother Nature's unpredictability, I always pack a roll or two of black-and-white film. While dreary-day color photos bring only consoling remarks from friends, black-and-white film tends to lend a mystique to gray landscapes and creates some very dramatic Ansel Adams--esque shots.

Destinationcoupons.com supplies free discount coupons for cities all over the United States and the world. Print them out on your home computer and save on hotels, shows, rental cars, restaurants, and many other activities.

When I'm on a cruise with my wife's family and we're in a foreign city for the day, I get off the boat as soon as we dock and hail a taxi. I ask the driver to call his dispatcher and find me a van with an English-speaking driver. Then I negotiate an hourly rate and a pickup time at the dock. The family tours together for a few hours, and then each couple either gets dropped off where they want to spend extra time or returns to the boat (this is great for my elderly in-laws). We get a tailor-made city tour for a much cheaper rate than if we had booked through the cruise line.

Make a master list of jobs to do around the house before you leave (hold the mail, water the plants, take out the garbage). Keep the list on your computer, print it out, then check off each job as it gets done. You'll be able to go without worrying that you forgot to stop the newspaper.

We've traveled to both Mexico and China in the last year and had the same experience in both countries: When we tried to exchange dollars to local currency, the banks wouldn't take bills with graffiti on them--telephone numbers, names, doodles, anything. Nor would they accept any bills that were torn or damaged. (We noticed a group from France having the same problem with their euros.) So before you leave home, make sure that any money you plan on exchanging is absolutely crisp and clean--or better yet, ask your bank specifically for brand-new bills.

It helps to have a calculator if you plan to do a lot of shopping in foreign markets. When you find something you like, hand the seller the calculator and ask him to enter his best price. It's easy to convert the response into dollars so you know what you're spending. If necessary, the calculator can be used to haggle, especially if you don't speak the language.

No longer do the many key chains I get as advertising languish in bureau drawers. I attach one or two at the ends of my luggage zippers. They make it easier to work the zippers and help me identify my luggage on airport carousels.

Don't be too quick to grab one of those GST tax-rebate envelopes that are everywhere in Canadian airports. The envelopes look official, but they're really from companies that process the request for you and often pocket 15 percent or more. Instead, go to the Canada Revenue Agency Web site (cra-arc.gc.ca), download the Application for Visitor Tax Refund, and then file the request yourself. Your check will arrive in a few weeks. Just remember to get your receipt stamped by the Canada Border Services Agency at the airport.

When booking a rental car online, click on "special offers" or "hot deals" to find the company's current promotional codes. Price your reservation using each code. Also, keep in mind that rates fluctuate according to seasons and slow periods. I managed to save more than $170 on a ten-day rental in Orlando, Fla.,by changing my reservation dates twice and by using different codes.

Having spent a number of years working for Norwegian Cruise Line, I learned that a dinner roll helps to settle the stomach when seas become rough. The less liquid sloshing around unimpeded, the better. And if you forget your motion-sickness pills or wristbands, fear not, as the purser always has medicine available for seasick passengers.

If your vacation spot is a major port of call for cruise ships, plan excursions for the days that the ships aren't docked. Tours will be less crowded, and you'll get to see and do a lot more.

Tired of catching colds while traveling? Take along a travel-size package of Clorox wipes. Disinfect the tray table and armrests on the airplane, and the telephone and TV remote in your hotel room.

Our bags have been stolen twice from inside locked rental cars. Now we travel with a bicycle cable and lock. If we absolutely have to leave our suitcases in the car, I hook them together by the handles and attach the whole thing to the frame of a seat or a secure item in the trunk. Even if thieves manage to get into our car, the cable will make it very difficult for them to make off with the luggage.

If you're traveling overseas, be sure to check the fine print concerning passports (go online or call the country's embassy). I had three months before my passport expired and found out at the last minute that I needed six months' leeway to enter Tahiti. Luckily, I was able to get a new passport just in time for my vacation.

Ever since my children were small, I've carried recent, wallet-size pictures of them when we all go on vacation, in case we get separated. Now that they are teenagers and traveling with friends' families, too, I send pictures for the other family to bring along with them. I also write my telephone numbers on the back of the pictures so they know where to reach me in an emergency.

Shout Wipes take up very little space in your purse or backpack and are invaluable for treating stains. While traveling on an airplane, I gave one to a most grateful Italian after he spilled wine on his tie. Our friendship extended through customs, and we're now e-mail pals. Great stuff!

I've created files--some general (Southeast Asia), some specific (Hawaii)--for articles and clippings about places I'd like to visit in the future. I don't want all the good tips, restaurant recommendations, and out-of-the-ordinary itineraries to go to waste just because I'm not planning an immediate trip. The files don't have to be super organized--just throw in the clippings, and you can weed through them later. You'll be glad you have the information when you do get a chance to go away.

With two of our last three car rentals, the local branch wanted documentation beyond the standard insurance card issued by our insurance company. In San Juan, we were delayed a half hour while the agent made phone calls to verify that our liability insurance was good in Puerto Rico. In Miami, if we hadn't provided proof that our insurance covered rental cars, we would've been charged a daily collision insurance fee. Fortunately, we knew ahead of time and took a copy of the pertinent section of our policy. Our credit card included car rental insurance, but proof of that coverage was also required.

Before you book a room over the phone, peruse the hotel's site for its "Web only" rate. It's often cheaper than the best quote you'll get by calling. Recently, over the phone, I was quoted a daily rate of $129. I booked the same room online for $89.

Accidentally reformat your camera's memory card? As long as you don't overwrite the disk by shooting more photos, those original pictures are still there. Buy another card to use in the meantime, and then, when you get home, either purchase a file-recovery software program (about $35) or take the card to a camera shop and see if someone there can help.

We decided to take our bikes on our last Caribbean cruise. It was a little crowded in the cabin, so the steward let us store them down the hall with the wheelchairs. We were last off the ship when we docked in Bermuda, but after five minutes we'd left our fellow passengers in the dust. And in less than fifteen minutes, we were far away from the busy port, enjoying a beautiful, deserted snorkeling beach.

If you don't have enough frequent-flier miles to get to Europe, use your miles to reach a major airport in the United States and then pay for the overseas flight from there. For a trip to Ireland, my husband and I used Delta SkyMiles to get from Cincinnati to New York's JFK airport and from there took Aer Lingus to Ireland. The Aer Lingus internet special was $267 per person. A Delta flight from Cincinnati to Ireland was $1,150 for two. We saved more than $600.

Some cruise lines offer discounts on a future sailing if you book it while on a current cruise. Back home, you can transfer the booking to your travel agent and work with them to try to lower the price even further. You'll be able to cancel your booking at no cost if you follow the cruise line's cancellation schedule. This is a great way to get some of your onboard expenses paid for in advance.