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4. Limit 'foreign' ATM fees
If you’re traveling over the holidays, you will often need cash, says Ridout.
"Given that you're going to be in different locations, you will often wind up using an ATM that might not be in your network," he says. And those "foreign ATM" and "out-of-network" charges can be hefty -- sometimes $5 and $6 a pop.
But a good number of credit unions and smaller community banks are rebating those charges, even when you incur them outside the country, Ridout says.
So, before you set out on your winter vacation, find an institution that gives you access to your cash without a lot of fees.
Bonus travel tip: Before you pack those vacation cards in your wallet for an overseas trip, call the issuers to find out about currency conversion fees, says Ridout. Several U.S. issuers no longer levy the fees -- which can be as much as 3 percent or more on every transaction.