WEBVTT - Hot Tips for Saving Money on Summer Vacation

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<v Speaker 1>Bloomberg Audio Studios, Podcasts, Radio News. Welcome to Marrin Talks

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<v Speaker 1>Your Money, the Personal Finance edition at Merrin Talks Money.

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<v Speaker 1>In these bonus podcasts, we talk about best strategies for

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<v Speaker 1>making the most of your money. I'm married Sunset Web

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<v Speaker 1>and with me senior reporter and money to stiled off.

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<v Speaker 2>For John Stefpacker. John, I'm John.

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<v Speaker 1>School's beginning to wrap up. Everyone's getting ready for the

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<v Speaker 1>summer holidays. I've had a lot of people on holiday already.

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<v Speaker 1>I'm not on holiday. You're not on holiday, Producer Summer

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<v Speaker 1>not on holiday. We are all here, but we're here

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<v Speaker 1>for our listeners. We know you're all about to go

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<v Speaker 1>on holiday, and we are worried that you are going

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<v Speaker 1>to commit some of the most common money mistakes out there,

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<v Speaker 1>or should I say foreign money.

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<v Speaker 2>Mistakes out there.

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<v Speaker 1>Now we are John and I we have to admit this.

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<v Speaker 1>We are using to talk about this. A list sent

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<v Speaker 1>to us by the lovely people at aj Bell who've

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<v Speaker 1>made a list of the things that you can do

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<v Speaker 1>wrong and remind you how to do them right. And

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<v Speaker 1>do you know what, looking at them, The very first

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<v Speaker 1>mistake is one I made just the other day just

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<v Speaker 1>the other day, headed for Mexico, realized I didn't have

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<v Speaker 1>any dollars or any pesos.

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<v Speaker 2>And what did I do?

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<v Speaker 1>I went to the bureau de change at the airport.

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<v Speaker 2>It really is just a pain that we've felt being disorganized,

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<v Speaker 2>and I've done it as well, Like I don't go

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<v Speaker 2>any bit exotic, nor I'm going somewhere. This's goot euros.

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<v Speaker 2>I know I can use the cash machine, but at

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<v Speaker 2>the same thing, you can like yeah, but well, if

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<v Speaker 2>you get to the airport and you need some euros

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<v Speaker 2>and you can't use the cash machine and.

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<v Speaker 1>You've got it, you've got to tip the first right,

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<v Speaker 1>You've got to tip.

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<v Speaker 2>The first taxi driver.

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<v Speaker 1>I have a terrible story about us not doing that

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<v Speaker 1>when we didn't stop at the buid of change of

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<v Speaker 1>the airport, didn't have any euros when we arrived somewhere,

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<v Speaker 1>didn't tip the taxi driver. When we got out of

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<v Speaker 1>the tax hit the hotel. Never saw that, Charles Teddy

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<v Speaker 1>Bear Again. All I'm saying is, if you don't have

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<v Speaker 1>any cash, go to the buriers on at the airport.

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<v Speaker 2>You can afford it. The spread between the actual place

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<v Speaker 2>of the currency and what you will pee at the

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<v Speaker 2>airport is shocking. It appols me every single time i'm

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<v Speaker 2>sort of the air and I look at the exchange rates.

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<v Speaker 1>Oh it's a shocker. Anyway, listen, here's here's an example

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<v Speaker 1>of the rates from the AJBL report. As a third

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<v Speaker 1>of July. Well, well go now, Travelex were offering to

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<v Speaker 1>change one thousand pounds into nine hundred and forty four

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<v Speaker 1>euros if you rocked over there he throw airport KAOSK,

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<v Speaker 1>so less than one for one.

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<v Speaker 2>Yeah, and why we know breaks it was a terrible one.

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<v Speaker 1>It wasn't that bad. But if you ordered online from

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<v Speaker 1>travel x to pick the money up at the same

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<v Speaker 1>location in the airport, you'd get one one hundred and

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<v Speaker 1>thirty three euros. If you'd just done the admin in advance,

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<v Speaker 1>you get an extra one hundred and eighty nine euros

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<v Speaker 1>to spend on your holiday.

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<v Speaker 2>That is a huge amoon these days. I don't think

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<v Speaker 2>you can really blame the four X people for this.

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<v Speaker 2>It really is just you're at the airport, you forgot

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<v Speaker 2>to do it, and so they're charging your convenience fee.

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<v Speaker 2>That's the way that you look at it.

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<v Speaker 1>They're a lot of rent for those desks in the

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<v Speaker 1>middle of the end. Why exactly, everyone has to pay

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<v Speaker 1>for something, right, so we're not going to do that.

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<v Speaker 2>Sandwiches and more expensive at the airport as well, you

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<v Speaker 2>can really blame them. So yeah, definitely if you eat

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<v Speaker 2>the airport, is my.

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<v Speaker 1>Press sandwich not at the airport and a press sandwich

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<v Speaker 1>at the airport.

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<v Speaker 2>I do not want to speak for a specific brand

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<v Speaker 2>just in case, you know, but definitely catering at the

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<v Speaker 2>airport it is more expensive than so it should.

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<v Speaker 1>Be limited estate, right, What are you saying, John that

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<v Speaker 1>the second thing people shoure doing going on holiday is

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<v Speaker 1>bring a sandwich with them.

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<v Speaker 2>Bring a pipe lunch exactly, two liter bottle of coconut

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<v Speaker 2>proper money.

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<v Speaker 1>See if anyone drinks coke by the way, two liter

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<v Speaker 1>bottle of water. Right. Mistake number two paying for your

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<v Speaker 1>online money with a credit card, Now this is interesting.

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<v Speaker 1>If you pay with a credit card, you're going to

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<v Speaker 1>pay a cash fee to your bank. And you know

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<v Speaker 1>that if you take money out of an ATM with

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<v Speaker 1>a credit card, yeah, you're going to pay an extra

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<v Speaker 1>fee on top of everything. Then no one quite understands

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<v Speaker 1>why you pay that fee. But you do pay that fee, right, Yeah.

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<v Speaker 2>I think it's just the lescen from them is don't

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<v Speaker 2>ever use your credit card for actually buying money. You're

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<v Speaker 2>always going to get child extra for use your debit

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<v Speaker 2>card for the anything they do, be withdrawing money or

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<v Speaker 2>purchasing money or whatever.

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<v Speaker 1>Yeah, So if you're buying it online, or if you

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<v Speaker 1>buying it online in advance to pick up at the airport,

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<v Speaker 1>whatever it is, use your debit card, credit card, okay, right,

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<v Speaker 1>next one, Using your standard bank cards abroad, you get

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<v Speaker 1>non sterling transaction fees on transactions you make in foreign currencies,

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<v Speaker 1>and that's going to be two and a half to

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<v Speaker 1>three percent of the purchase amount. I mean that is whopping, actually,

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<v Speaker 1>and there are some current cards that don't charge it,

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<v Speaker 1>but an awful lot do.

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<v Speaker 2>Yeah. I hangway, that's when you just have to be

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<v Speaker 2>aware because there's plenty of mainstream banks that don't do this,

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<v Speaker 2>and also the certainly they are on lane banks to

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<v Speaker 2>not to do this. I know it's startling. Don't do

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<v Speaker 2>it because my kids, who's startling. I mean, I've got

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<v Speaker 2>a nation wide card and one of the reasons that

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<v Speaker 2>got that was because they have exchange fees were very

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<v Speaker 2>reasonable or rather not that exchange fees, the exchange rate

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<v Speaker 2>you get. So I think that's just a marter looking

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<v Speaker 2>at the cards you've got, you know, I don't think

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<v Speaker 2>you need to get a special one for going on holiday, unless.

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<v Speaker 1>If you get a Revolute card or a Caxing FX

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<v Speaker 1>card or and you can prepay it with a variety

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<v Speaker 1>of different currencies, it might have a couple of dollars

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<v Speaker 1>and if I'm quite useful and I remember the pin

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<v Speaker 1>usually live from at home in the end. But in theory,

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<v Speaker 1>in theory.

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<v Speaker 2>That is also useful for company who travels to a

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<v Speaker 2>lot of different places. If you go to America and

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<v Speaker 2>Europe a lot or whatever, and you need dollars and euros,

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<v Speaker 2>then loading up a card with both of those before

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<v Speaker 2>that is a kind of useful thing you do.

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<v Speaker 1>Yeah, there's also quite a reasonable way to control your

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<v Speaker 1>holiday spending, isn't it. You can prepay what you expect

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<v Speaker 1>to spend on your holiday onto that card, and then

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<v Speaker 1>you can keep an eye.

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<v Speaker 2>On things as you go, and then you can panic

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<v Speaker 2>for the last three days y at holiday when you

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<v Speaker 2>realize that you ran out a week ago, went on.

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<v Speaker 1>The way through and splurge on the last two days.

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<v Speaker 2>This happens too.

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<v Speaker 1>Okay, the next one.

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<v Speaker 2>I'm good at this one.

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<v Speaker 1>I see. This is a mistake.

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<v Speaker 2>I never make.

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<v Speaker 1>Paying in sterling on a card terminal. So when you

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<v Speaker 1>use your card overseas, everyone knows this. You'll get asked

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<v Speaker 1>by the machine whether you want to pay in your

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<v Speaker 1>local currency, in the local currency of the place where

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<v Speaker 1>you are, or in sterling. And everyone thinks, well, I'm

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<v Speaker 1>going to hit sterling because that's that's how I work,

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<v Speaker 1>that's what my bank account is in. But that is

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<v Speaker 1>the wrong thing you're going to do. You're going to

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<v Speaker 1>get the worst possible exchange right there, but probably not

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<v Speaker 1>quite as bad as you get at the bureau. Challenge

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<v Speaker 1>of the airport is so far pretty bad. So you

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<v Speaker 1>really don't want to do that. And that is such

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<v Speaker 1>a simple mistake.

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<v Speaker 2>That is a simple one. You know. Something I noticed

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<v Speaker 2>though when I went I went to Athens for the

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<v Speaker 2>first time earlier this year, and one thing un noticed

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<v Speaker 2>was that the wheels there were often in some places,

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<v Speaker 2>not all places. But I said fifty that we take

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<v Speaker 2>your card, that we and they would make the decision

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<v Speaker 2>on which button to press, and sometimes they would press

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<v Speaker 2>their wrong ones. I don't know what's going on there?

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<v Speaker 2>And I know that they only relatively recently started enforcing

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<v Speaker 2>things like receipts and stuff like that, and that part

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<v Speaker 2>of Greece as well, So I mean sometimes that you

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<v Speaker 2>may you might find it depending on where you are,

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<v Speaker 2>people try to maybe slightly coin you on.

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<v Speaker 1>That sophisticated to think that the wait is in grace

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<v Speaker 1>are getting kickbags based on your exchange.

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<v Speaker 2>Right, But I was kind of I was quite surprised.

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<v Speaker 2>I know it's happening often enough that I thought, what's

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<v Speaker 2>going on here?

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<v Speaker 1>So you were losing three percent every time? Bad?

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<v Speaker 2>Like, I was a shock. I was appalled. Last one

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<v Speaker 2>was lovely still totally was it buy back options?

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<v Speaker 1>Last time I went and it was still the days

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<v Speaker 1>of travelers checks.

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<v Speaker 2>Oh yeah remember that was yeah, it is so it

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<v Speaker 2>is so much easier going on holiday now.

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<v Speaker 1>Much easier travel checks. You had to take me to

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<v Speaker 1>banks catch them, and then they got stolen and then

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<v Speaker 1>we had nothing.

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<v Speaker 2>I went to Paris at one point and I had

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<v Speaker 2>eight e quentin sterling, right, and it was the only

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<v Speaker 2>money that we had, and then the last day it

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<v Speaker 2>was down to that it was but it was Royal Bank,

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<v Speaker 2>Clydesdale Bank, notes, you know how like some of the

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<v Speaker 2>Scottish notes look really unusual. And this was about thirty

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<v Speaker 2>years ago. Went into an actual bank in Paris and

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<v Speaker 2>they pulled out the big book of notes. It wasn't there.

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<v Speaker 2>I had to wander around me no money but eight

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<v Speaker 2>quinn sterling and I think we'd like three francs or something.

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<v Speaker 2>We end up buying like a bagett to last us

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<v Speaker 2>for twenty four hours. So any kids, it's much easier

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<v Speaker 2>these days. You should stop complaining about all this stuff.

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<v Speaker 1>That time I had Scottish money reproved was in Dooted.

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<v Speaker 2>That's because they're all racists down here, six.

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<v Speaker 1>Years ago, right, the last one buy back options Now

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<v Speaker 1>the sort reason going to happen to John. Based what

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<v Speaker 1>we've been talking about. Some people might come back from

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<v Speaker 1>holiday with spare currency, actual physical notes in their pockets,

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<v Speaker 1>and I might sing to himself as they go through

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<v Speaker 1>the airport on the way back. They might think themselves, oh,

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<v Speaker 1>I'll just go with that desk and I'll change them

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<v Speaker 1>back into sterling. You don't want to do that. Here's

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<v Speaker 1>numbers again from aj Bell. You're a change will sell

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<v Speaker 1>you one hundred and thirty seven euros for one thousand

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<v Speaker 1>pounds out like a good deal relative to what were

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<v Speaker 1>talked about earlier. But if you bring all those euros

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<v Speaker 1>back and you exchange them again, you'll only get nine

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<v Speaker 1>hundred and four pounds in return. You do not want

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<v Speaker 1>to do that. Now, some of the people who you

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<v Speaker 1>can get your travel money from will give you a

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<v Speaker 1>buyback guarantee so you can take the money back and

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<v Speaker 1>change it back at the same rate that. Of course,

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<v Speaker 1>there's going to be some kind of charge or commission

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<v Speaker 1>to that. So what do you do with your foreign currency? John?

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<v Speaker 1>If you come back you don't know about this?

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<v Speaker 2>Do you never any left? But let's see you next time,

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<v Speaker 2>next time, because again, of course uros part early. You

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<v Speaker 2>know you're probably going to be going to eurosone country

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<v Speaker 2>in the future.

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<v Speaker 1>Again, this is how I ended up with a whole

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<v Speaker 1>load of lirium.

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<v Speaker 2>By the way, Yeah, I mean, I don't get off

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<v Speaker 2>gild with the ASSI dollars that I'll never go any ill.

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<v Speaker 2>It's hard treat them back more with the physical because

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<v Speaker 2>you're going to have to go to a bureau, even

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<v Speaker 2>the one in the airport.

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<v Speaker 1>Yeah, So I said, you know what, I'm buy back options.

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<v Speaker 1>Maybe maybe just take what you can get at the time,

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<v Speaker 1>because otherwise there may be people who are better at

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<v Speaker 1>admin than us. I don't know these people would be,

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<v Speaker 1>But if you're anything like us, just take what you

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<v Speaker 1>can get to the time, or it's going to sit

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<v Speaker 1>in your desk until it's not with anything anyway.

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<v Speaker 2>Yeah, right, it does feel like I waste the time.

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<v Speaker 1>But in the hand, guys, but in the hand.

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<v Speaker 2>They spent in the duty three on the way back.

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<v Speaker 2>Can you do that? That depends pretty hard.

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<v Speaker 1>I suppose you have another suggestion, John's you can put

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<v Speaker 1>it in that charity envelope on the airplane.

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<v Speaker 2>Well, hypothecating your taxes. I think we disapprove of that.

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<v Speaker 1>I don't think there's a gift aid.

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<v Speaker 2>Book stealing money from the.

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<v Speaker 1>H Just right, I think John and I are going

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<v Speaker 1>to leave. Thanks for listening to this week's Marin Talks

0:11:16.760 --> 0:11:18.760
<v Speaker 1>to Your Money. If you like us, rate review and

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<v Speaker 1>subscribe wherever you listen to podcasts. Also be sure to

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<v Speaker 1>follow me in John on ex or Twitter at marinas

0:11:24.000 --> 0:11:27.280
<v Speaker 1>w and John Underscore stepic. This episode was produced by

0:11:27.320 --> 0:11:30.599
<v Speaker 1>some Mersidi tala Amidi and Moses and production spport and

0:11:30.640 --> 0:11:33.280
<v Speaker 1>sound designed by Blake Maples. Questions and comments on the

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<v Speaker 1>show and all our shows are always welcome to our

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<v Speaker 1>show email is marrin Money at Bloomberg dot Next