50 Totally Charming Hotels for Under $150

I use an inexpensive, thumb-size USB flash drive to store medical and insurance contacts, confirmation codes, credit card numbers, addresses, and phone numbers. It fits in a secure zip pocket in my travel purse. If I don't have my laptop, I can insert the flash drive in most hotel or Internet café computers. Some USB flash drives password-protect your data, or you can download a free encryption program.

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.

About a month before leaving on vacation, I start clipping the crossword puzzles from the daily newspaper and pasting them into a blank notebook. The puzzles keep me occupied during my trip. The newspaper's crosswords are so much more interesting than the generic books of them you can purchase at the airport.

Before setting off on one of my many backpacking excursions, I head to Kinko's to rebind my guidebook. I replace the cover with a plain black or navy one. It costs about $6 and allows me to blend in much better while traveling. People see my new book as a journal, not a travel guide that labels me a tourist.

I like to bring a Frisbee when I travel. At the hotel, it's a convenient place to collect car keys, loose change, my ChapStick, and any other small objects I normally keep in my pockets. I always know where everything is, and things won't fall off the nightstand. It's also handy to have so you can play Frisbee at a nearby park or beach.

At a theme park, tie a brightly colored scarf to the handle of your stroller before you enter a ride. When you return, you'll be able to quickly pick out your stroller from a sea of look-alikes.

Don't put your magnetic sunglass clip-ons in the same pocket as your mass transit fare cards or hotel key cards. I managed to erase both my subway pass and my hotel key on a recent trip.

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.

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.

We like to buy shipboard souvenirs, so we try to choose a ship that's completing its run of an area--that's when merchandise is generally put on sale. Last year, for example, on a sailing in South America, all of the T-shirts, glassware, and rain jackets were 75 percent off.

I never leave home without dental floss. I've used it as a clothesline between tents in Botswana's Okavango Delta and to replace a lost screw for my sunglasses in Malaysia. I even cut off a piece of floss the size of my waist and headed to the night markets in Bangkok. My "tape measure" assured a perfect fit!

Paper place mats can be useful anywhere there's an outdoor shower. By stepping onto a place mat after a bush shower in Botswana, I managed to keep my feet clean and avoided getting dirt in my clothes.

When not taking pictures, keep your memory card away from your camera. It's a simple method to ensure that any photographs you've shot will be safe even if your camera is stolen. My husband and I learned this lesson the hard way when we lost 250 shots of Kauai.

Though they're often the best deals around, don't assume that packaged vacations always offer the biggest bang for your buck. My wife and I were ready to book an air/hotel package to Maui when we noticed a sale on Aloha Airlines ($280 round trip from Oakland). I added up the total cost of the trip if purchased separately and saved $400 over comparable packages from various tour operators. We used the extra money to stay in a nicer hotel and to rent a convertible!

The help of a concierge at an expensive hotel is available even if you're staying at a motel across the street. Go to the concierge with $5 (or whatever the assistance is worth to you) held discreetly but visibly in your hand. Chances are you won't be asked whether you're staying at the hotel. This worked for us once when we were stranded by a blizzard. We tried to rebook our flights on our own, but phones at the airlines were busy for two days straight. The concierge at a fancy hotel a few blocks away got through on his first try and managed to rearrange our flights for us.

After I was unable to locate any awards seats online for a wide selection of days and routes, I called the airline. An agent told me that the airline's Web site isn't allowed to book awards seats for its partner airlines, but agents can. Within minutes, I had enough options that I found it difficult to make a decision.

If you take an overnight flight to Europe and early check-in at your hotel isn't an option, ask the concierge if you can store your luggage until later in the day and use the hotel gym's shower. You'll be refreshed and ready for sightseeing. Pack toiletries and a change of clothes in your carry-on.

Before exchanging foreign currency at the airport, find out if there's a departure tax. At the Bangkok airport, we were very upset- as were travelers around us- to find we had to pay a fee before continuing to our gate. Unfortunately, by that point everyone had cashed in their baht, so the options were a conveniently located ATM, a credit card, or an exchange booth with notably poor rates. When we described this incident to friends, they told us of a similar experience when trying to leave the Dominican Republic.

Whenever I know I'll be renting a car, I pack a couple of folded paper towels and two small spray bottles--one filled with window cleaner and the other with Rain-X, a product that repels raindrops. It's hard enough driving an unfamiliar car in an unfamiliar location. At least with a clean windshield I'm able to see properly, no matter the weather.

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.

If you know you'll be cooking while on vacation, bring along small amounts of the spices you need for your favorite recipes. You'll save by not buying large containers of spices.

On the final day of a recent Caribbean vacation, I tried to arrange for a late checkout, but was told it wasn't possible. The hotel offered me the use of a day room; it would have been perfect, but it was being used by other guests, and there was a very long wait for the shower. I went back upstairs and saw that someone was just about to clean my room. I told the housekeeper that I understood she had to do her job, but I wondered if I could I take a quick shower first. She offered to clean next door while I took my shower. I tipped her $10 and then left for the airport.

We've noticed that when booking a flight for our family under one reservation, some airlines will only credit the 1,500 bonus miles (500 for booking online, 500 each way for printing boarding passes) to the person whose name the reservation is under. This is regardless of whether the other family members have mileage accounts. To avoid this, make a separate reservation for each of your family members and then pick seats together.

Driving around Italy last summer, my husband and I found that even the most detailed maps left us scratching our heads in confusion. Desperate and lost, we decided to follow a tour bus. Guess what? It got us exactly where we wanted to go.

Restrooms abroad rarely have hooks on stall doors. Our solution: Pack a small S hook in your shoulder bag and make use of a hole in the wall, a pipe, etc., to hang purses, jackets, or anything else you want to keep off the floor. S hooks can be found in most hardware stores, near the screws and bolts.

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.

When I travel with friends, we decide ahead of time who's going to bring what. If we're sharing a suite or have adjoining rooms, we don't need multiple hair dryers and umpteen bottles of shampoo. With the weight limits on baggage, we'll need the extra space in our suitcases for souvenirs!

I was booking tickets online for an upcoming flight to Europe from the East Coast. One particularly attractive fare was offered on a U.S. airline as well as on its foreign "partner airline." Same plane, same flight, same base price. But it was more than $100 cheaper per ticket to book with the foreign airline versus the U.S.one. We saved more than $400 for four tickets, but we'll be on the same plane!

When I'm on the road, I often have to use the hotel iron before heading out to business meetings. But getting water into the iron can be a hassle--most irons won't fit under the sink faucet, and using a glass to pour water into the tiny hole is nearly impossible without spilling everywhere. There's an easy solution: Use the carafe from the coffee maker. Just be sure the carafe is clean, or you could end up with coffee stains on your clothes.

If you plan to leave a gratuity for hotel staff, follow our friend Phil's good advice: Give it at the beginning of your vacation, not at the end. He introduces himself to the housekeepers early in the trip and hands them a nice tip. Guess who always has plenty of coffee and fresh towels?