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17 ways to stretch holiday vacation cash
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8. Early booking gets the cruise deals. Cruise lines offer many early booking specials, plus you'll save on airfare if you book early to get to the port city. Remember: While you may be able to net a low-priced, last-minute cruise deal, the last-minute airfare is more expensive.

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9. Time your stay for best hotel deals. Plan the timing of your stay according to the type of place you visit.

"Hotels in cities are usually cheaper on the weekends, when business travelers aren't staying there, but hotels in resort areas or other places that are popular with leisure travelers are often cheaper during the week," says Doug Stallings, an editor at Fodor's.

The same Web sites used for searching flights can help you find the best hotel deals.

10. Try the art of negotiation. Travel with the principle that it never hurts to ask for a little more. You can always ask for upgrades, whether it's a hotel or transportation. Save your negotiating for those in management. You'll be more successful.

11. Avoid tourist traps. Research places of interest to visit before your trip or visit the local visitors center. By traveling off the beaten path, you'll avoid the expensive tourist traps. Plus, you're often treated to a more interesting vacation, highlighted with personal glimpses of the local culture.

12. Prepare for savings. Tourist spots sell everything from film -- to capture those special moments -- to sunscreen, bottled water and aspirin for prolonging your fun, at a higher cost. Purchase these items before and save.

13. Dining deals on the town. When you're traveling, or even in your own town, take advantage of the chambers of commerce and visitors centers. You'll find great restaurant discount coupons. Plus, you'll hit on valuable coupons for area attractions and ideas for inexpensive activities.

Do lunch. Lunch menus usually offer the same entrees as dinner, just smaller portions and a smaller check.

Another cost-cutting palate pleaser: Dine out during the week, rather than the weekends. Often, the menu prices climb over the weekend.

14. Bring your own grub. Travel with a cooler. You won't be purchasing drinks and snacks at every rest stop. Rent a house, condo or efficiency, so you can cook or barbecue. Your meals won't eat away at your budget.

15. Swipe with savings in mind. Use only your own bank's ATM whenever possible. If one's not available, look for machines with a "No surcharge here" logo. If you plan on using an ATM regularly on your trip, withdraw larger amounts of cash to reduce your number of transactions. Or, when you're at the grocery store stocking up on food and sunscreen, ask for cash back to avoid fees and additional surcharges.

16. Pack lightly and carry a spare. Keeps things simple. Carry two credit cards, a debit card and enough cash for a few days. That way, you'll have less to protect and it'll be easier to monitor spending. Carry a backup card in a separate place from the rest of your cards.

17. Really cheap travel. Even if you're on a skimpy budget, you could still afford to get away. Stallings says to cut costs, plan a vacation close to home.

"There's almost always something interesting to see in your own backyard," Stallings says. "Explore the sites you might not normally visit, like a local museum or holiday festival. Think about places that are within 100 to 200 miles from home, where you can drive in a few hours. Look at the Web site for cities' convention and visitors bureaus. They often highlight local specials you might not read about in your own paper."

Lucy Lazarony and Amy Fleitas contributed to this story.

Bankrate.com's corrections policy-- Updated: Dec. 21, 2006
 
 
More stories by Dani M. Arthur
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