Pay on Layaway

Even if you're not hungry when the flight attendant comes around with the snack service, take it for later. Although peanuts may not look appetizing at 7 a.m., they will look good later if you have nothing better to eat. And it saves you from picking up something at expensive airport shops.

The middle seat isn't always awful. On a recent trip overseas, I called too late to confirm an aisle or window seat. After explaining the plane's AB-CDEFG-HI configuration, the customer service agent urged me to take the very middle seat, E, because D and F have less foot room. (In some rows, there are metal boxes underneath the seats in front of you that house wiring for onboard electronics.) I went along with her advice somewhat skeptically, but I ended up with plenty of room. The people on either side of me weren't so lucky.

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.

My husband packs Q-tips in a plastic cassette case. It's small and snaps shut, keeping the cotton swabs clean and dry.

Before traveling overseas, look at your health insurance card. If it only shows an 800 or 888 number for precertification of hospital admissions, call that number and obtain the local number with an area code. Many 800 numbers can't be dialed from foreign countries. I learned this the hard way during an emergency hospital admission in Switzerland. The delay in reaching my carrier could have been avoided.

Attach a few carabiners--the kind of clips rock climbers use--to the top of your wheeled suitcase. Purses, cameras, and shopping bags can be clipped to your suitcase, giving your hands and shoulders a rest while you're walking around the airport.

I try to avoid checking any luggage, but the airlines are getting stricter every day about the size and weight of carry-ons. So when I pack, I put any important stuff in a plastic bag and place it in a front pocket. If I'm told to check my carry-on when I get to the gate, I can just pull out the smaller bag and board.

Deli counters in grocery stores are great mealtime alternatives to restaurants or fast-food fare when you're exploring the United States. The food is fresh, there's a big variety (hot and cold), and economically, it's a great break. I recently had a complete hot meal, including beverage, for $3 from a grocery-store deli.

Ask your flight attendants for dining, lodging, shopping, and sightseeing advice. Most crews have up to the minute information gleaned from layovers, which they're more than happy to share with passengers. You can count on flight attendants to seek out budget treasures. I know—I've been married to one for more than 21 years!

Before you head to the airport, stop by the front desk of your hotel or cruise ship and ask if they'll print your boarding pass for you. It'll save Internet browsing fees and time at check-in. It's worked for me at several Marriott hotels and on a Celebrity cruise.

My husband cut an old contact lens case in two and uses the halves to carry his medication when we're traveling. He prefers them to regular pillboxes because lens cases are watertight and compact enough to carry inside a shirt pocket.

You won't always save by bringing the rental car back early. Alamo has an early-return policy at all of its locations, designed to discourage customers from returning cars early. If you show up at the lot a day or two ahead of schedule, Alamo will recalculate what you owe them at the daily rate; if it turns out to be less than what you would have paid for the week, they'll charge a $15 fee. Yet another reason to read the fine print on your contract carefully!

Travel soap dishes--the colorful plastic ones that have hinged lids--stop small, fragile items from getting damaged or lost in your bags. I can easily label and use them again and again and again.

If you're divorced and plan to travel out of the country with your children, check the legal requirements in advance. When I tried to take my kids to Cancun, I learned too late that Mexico requires a notarized letter of consent signed by both parents for minors traveling alone or with one parent or guardian. If the parents are divorced, a copy of the parental custody agreement is allowed instead. The airlines enforce this rule before you get on the plane.

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.

Carry a Polaroid camera when traveling to developing countries. In Cambodia, several village children gathered around us, posed enthusiastically for pictures, and were fascinated by their images in our digital camera. We wanted to send them the pictures, but they were unable to tell us their address. Polaroids would have solved the problem!

When I called to book a hotel room in Budapest, I was offered a rate of $75 per night. After I told the concierge that I was looking for a room in the $35 range, he agreed to the lower price without much fuss. It sometimes pays to barter.

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.

Every year, I get address labels from numerous charitable organizations. I keep them with me when traveling because it's the quickest way to provide my address to new friends, enter prize drawings at shops, sign guest books, etc. It's not only efficient; it can also help spread the word about worthwhile charities.

My daughter and I bought disposable digital camcorders at a CVS pharmacy before going to Europe. It was a nice way to document our trip--each camera stored about 20 minutes of video. Once home, we dropped the cameras off at the pharmacy. The next day, our DVD was ready. We were very pleased with the quality and the cost: $30 for the camera and $13 for each DVD.

Most cruise lines offer certain drinks for free--juice, lemonade, iced tea, coffee, milk, tea-but you'll have to pay for soda. If you're a caffeine addict, pack a bottle or two. Unlike on a plane, you won't have to worry about paying for the added weight.

Disposable-camera lenses scratch just like any other lens would. Place a small piece of painter's tape (or another kind that won't stick too much) over the lens to protect it from contact with other items in your purse or backpack during travel.

For our road trip through the English countryside, I printed out a detailed map for every location we wanted to visit from multimap.com. I labeled each map with the day we planned on using it and wrote down the interesting sites and places to eat along the way. I kept them all in a folder and added brochures from the places we saw. It was a great souvenir upon returning home.

If you're traveling with someone, discuss a central meeting place in case you get separated. My husband and I were in Paris waiting to board the Metro. He was able to board the train, but I was left behind on the platform. Having a plan saved both time and needless anxiety.

Quotetravelinsurance.com gives you comparable details on more than one hundred travel-insurance plans, enabling you to make the best buy. It relies on ratings from insurance industry overseers such as A.M. Best and state insurance commissioners before allowing an insurance company into its extensive lineup.

Check out worldclimate.com to find monthly average temperatures and rainfall for thousands of cities worldwide. You can avoid countries during their rainy seasons, and the information is useful for figuring out what to pack.

If you visit a country where you don't speak the language, pick up a book of your hotel's matches or one of its business cards; they usually have the hotel's name and address printed on them. Then when you're out sightseeing and want to return to your hotel, show the matchbook or card to the cabdriver if he doesn't speak English.

Try getting a discount on your hotel room by offering to pay in cash. A hotel reservationist suggested this approach when I phoned to reserve at a hotel in London. I asked if the hotel could grant a discount based on my AARP or AAA membership, as many hotels do in the United States. Her response was that the only discount she was able to offer was 10 percent if I paid in cash.

Here's an important tip for cruising in winter: Fly into the port a day or two before your ship is scheduled to depart. We booked a Costa Rican cruise but were stuck in New York, where all flights out of JFK airport were canceled. Itineraries that include stops in places with airports can allow people to catch up. Ours didn't.

Ziploc now makes extra-large bags with handles. They're nearly two feet by two feet, and although Ziploc advertises them as being good for storage, they're also useful for traveling. Bring one on long shopping excursions and then use it as an extra carry-on for souvenirs on the way home.