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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!

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.

During the hot months of summer, I plan to travel with a very small spray bottle. I'll fill it with water and use it as a mister to keep cool. I got this idea when we stayed at the Noga Hilton in Cannes. On the dresser was a pink aerosol can full of Evian water. I took it with us sightseeing and, wow, it was so refreshing to spritz water on our faces.

Before leaving for a vacation, I print out all our reservations and directions, and I create a contact sheet for emergencies. Then I gather all the papers together, punch some holes, and place them in a folder that has a middle section for three–holed papers. The side pockets hold brochures, business cards, ticket stubs, receipts, and maps that we collect along the way and want to bring home for our scrapbook.

I always pack several tea lights, a small vial of essential oils, and matches. Tea lights, when placed in a water glass for extra safety, banish stale or unpleasant smells in hotel rooms. The essential oils work wonders when a drop is placed on a warm lightbulb.

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.

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.

I always try to work out before heading to the airport. It usually gets me tuckered out enough that I can relax and sleep on the plane. If I don't have time for pre-travel exercise, I take a brisk walk through the terminal before boarding or find a quiet spot in an empty gate for a little yoga.

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.

We're active travelers but find guided bike tours from companies like Backroads too expensive. Our advice: After rolling into town, ask at a bike shop for the best routes. Better yet, call or e-mail before you leave home (search the Web). We've found group rides and races this way, and have made a lot of friends. We're instant locals!

I unpacked a pair of black slacks recently to find them covered with white fuzz. I didn't have a lint brush handy, so I used the luggage sticker from my bag--the gummy side took the lint right off.

We rented a car last summer to tour northern Italy. Initially, we contacted Europcar (europcar.com) and got a quote of more than $500. We then clicked on a rental-car link from Best Fares (bestfares.com) and received an offer that knocked off about $50. When we mentioned to Europcar that we'd seen lower offers on the Web, they told us that if we sent them the URL and they could verify the offer, they'd match it. We eventually found a car that was an additional $100 cheaper from a British company. Europcar-which offered better service for our itinerary-accepted that lower price, saving us $150.

A padlocked zipper tells thieves there's something in your bag worth stealing, but a key ring is much less obvious. Just use it to latch together the zippers. Best of all, you'll never have to worry about forgetting your combination.

Just before I go through airport security, to save time and to avoid leaving something important behind, I collect all loose items--change, money clip, belt buckle, pens--in a large Ziploc bag. I send the bag through the X-ray machine with the rest of my luggage. After picking it up at the other end, I put the things back in place and either toss the bag or keep it for the return trip.

Preserve even the small number of frequent-flier miles you may obtain by making occasional use of a particular carrier; the miles can be worth money. Even if you don't regularly fly on Delta, Northwest, Continental, or several other airlines, sign up for their frequent-flier programs when you book a long or overseas flight. Points.com allows you to redeem miles for magazine subscriptions, music downloads, and other products. You can also use miles to get small discounts on purchases at retailers such as Amazon.com.

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.

If the zipper on your luggage or your clothing is giving you any trouble, rubbing some lip balm or candle wax onto the teeth should loosen it.

Instead of bringing one of those bungee cables to hang-dry my delicates and socks, I pack a couple of mini plastic hangers--the ones that bras and panties come on when you buy them. They take up very little room in my luggage and can be thrown away at the end of the trip.

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.

Consider asking your driver or tour guide to haggle on your behalf at bazaars and souks. (But don't let them lead you to places where they might have a connection to the shopkeeper.) The money you tip them will usually be less than the markup on prices for tourists.

When my husband and I visit places like India or Thailand, we pack only one extra change of clothes. When we arrive, we hit a local market and buy local attire--woven shirts, saris, sarongs, etc. Not only does this make packing easier, but we get a better cultural experience and end up with lots of wearable souvenirs!

I find that hotel bathrooms rarely have enough hangers and hooks for clothes and wet towels, so I always bring a few snap-lock suction hooks. (They function better than regular suction hooks because they're more secure and are therefore able to hold heavier items.) It's always nice to have a place to hang a bathrobe.

It's often cheaper to buy a ticket to London and then fly onward within Europe via a regional low cost airline. Last summer, my husband and I bought consolidator tickets to London for $397. From there, we flew EasyJet to Nice for $72. The total cost was $469—much less than flying directly to Nice, plus we enjoyed a stopover in London.

If you're traveling solo and your room has a double bed, sleep on the side farthest from the phone. It's slept on less frequently and is therefore more comfortable.

Carry a twist tie in your wallet. Among other ingenious uses, a twist tie can temporarily replace a lost screw on a pair of glasses. Just peel the paper or plastic off the tie so you have bare wire, insert it where the screw once was, and twist to tighten. Unlike Scotch tape or a safety pin, a twist tie is small enough to remain hidden and strong enough to hold until you're able to replace the screw.

Make your cabin homier by packing a small collapsible vase and a bouquet of flowers.

In Europe, my husband and I like to use public transportation. As a result, we frequently find ourselves studying itineraries displayed on train station walls, trying to read schedules posted at bus stops, or staring at kiosk-size town maps. On our last trip, my husband snapped digital photographs of those things. We were able to take the map or itinerary with us and could refer to it as needed by using the zoom feature.

Therm-a-Rest's Compressible Pillow is perfect for the plane. It comes in three sizes, packs smaller and expands bigger than any other pillow, and is machine washable. Whenever I pull mine out of my carry-on, I get jealous stares: People always ask where they can get one. REI sells the pillows for $18 to $25, depending on the size (rei.com).

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.

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.