WEBVTT - Hot Tips for Saving Money on Summer Vacation (Re-run)

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<v Speaker 1>Bloomberg Audio Studios, Podcasts, radio news.

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<v Speaker 2>I'm joined Stevick, senior reporter and author of the Money

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<v Speaker 2>Distilled newsletter. Today we'll be playing you a much loved

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<v Speaker 2>episode we made last summer and how to make the

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<v Speaker 2>most of your money when going away on holiday. Top

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<v Speaker 2>tips that could end up saving you a decent amount

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<v Speaker 2>so you can spend more of your time we had

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<v Speaker 2>read in the book and less time we had hands

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<v Speaker 2>in your wallet. Hope you enjoy.

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<v Speaker 1>Welcome to Merrinchooks Your Money, the puzzon on Finance edition

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<v Speaker 1>at Merritchooks Money. In these bonus podcasts, we talk about

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<v Speaker 1>best strategies for making the most of your money. I'm

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<v Speaker 1>married sumset web and with me senior reporter and Money

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<v Speaker 1>to Stilled off with John steppecka John.

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<v Speaker 2>I'm John.

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

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<v Speaker 1>on the holidays. If I had luck 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>all 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 mistakes out now we

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

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<v Speaker 1>are using to talk about this a list sent to

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<v Speaker 1>us by the lovely people at aj BELL who've made

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

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

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<v Speaker 1>you know what looking at them. The very first mistake

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

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

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<v Speaker 1>dollars or any pays and what did I do? I

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<v Speaker 1>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 that's got 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 you've got.

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<v Speaker 1>It, you've got a tip. The first you've got to

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<v Speaker 1>tip the first taxi driver. I have a terrible story

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<v Speaker 1>about us not doing that when we didn't stop at

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<v Speaker 1>the buider Shans of the airport, didn't have any euros

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<v Speaker 1>when we arrived somewhere, didn't tip the taxi driver when

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<v Speaker 1>we got out of the taxi at the hotel. Never

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<v Speaker 1>saw that, Charles Teddy Bear Again, all I'm saying is,

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<v Speaker 1>if you don't have any cash, go to the burage

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<v Speaker 1>on at the airport. You can afford it.

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<v Speaker 2>The spread between the actual place of the curdency and

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<v Speaker 2>what you will pee at the airport is shocking. It

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<v Speaker 2>appols me every single team. I'm sort of the and

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<v Speaker 2>I look at the exchange rates.

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

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<v Speaker 1>of the rates from the aj Bell report. As a

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<v Speaker 1>third of July, well, well go now, Travelex were offering

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

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<v Speaker 1>four euros if you rocked over there. He threw airport Kiosk,

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

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<v Speaker 2>Yeah, and may we know, pregus it was a terrible.

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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've 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 amount 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.

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<v Speaker 2>Why exactly, everyone has.

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<v Speaker 1>To have heard for something. Yeah, right, so we're not

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<v Speaker 1>going to do that.

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<v Speaker 2>Ll sandwiches and more expensive at the airport as well,

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<v Speaker 2>you can't really blame them. So yeah, definitely if he

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<v Speaker 2>is the airport, is my.

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

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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 is more expensive than so it.

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<v Speaker 1>Should be limited re estate, right And what do you

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<v Speaker 1>think John that the second thing people shoure doing the

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<v Speaker 1>going on holidays, bring a sandwich with them, bring a

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<v Speaker 1>pipe lunch exactly, it's a two liter bottle of coconut

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<v Speaker 1>proper money. See if anyone drinks coke by the way,

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

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<v Speaker 1>for your online money with a credit card, Now, this

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<v Speaker 1>is interesting. If you pay with a credit card, you're

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

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

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

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

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<v Speaker 1>understands why you pay that fee, but you do pay that.

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<v Speaker 2>Fee, right, Yeah, I think it's just the license m is.

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<v Speaker 2>Don't ever use your credit card for actually buying money.

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<v Speaker 2>You're always going to get child's extra for Use your

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<v Speaker 2>debit card for the anything to do withdrawing money or

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<v Speaker 2>popches in money or whatever.

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

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<v Speaker 1>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 and off to three percent

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

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

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<v Speaker 1>an awful lot do.

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<v Speaker 2>Yeah, that's when you just have to be aware because

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

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<v Speaker 2>also the certainly they own line banks tend not to

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<v Speaker 2>do it. I know it's startling. Don't do it because

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<v Speaker 2>my kids, who's startling. We have got a nationwide card

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<v Speaker 2>and one of the reasons that got that was because

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<v Speaker 2>they have exchange fees were very reasonable, or rather not

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<v Speaker 2>the exchange fees, the exchange rate you get. So I

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<v Speaker 2>think that's just a matter of looking at the cards

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<v Speaker 2>you've got. You know, I don't think you need to

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<v Speaker 2>get a special ones for going on holiday unless attached.

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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, can 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>Useful company who travels to a lot of different places.

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<v Speaker 2>If you go to America and Europe a lot or

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<v Speaker 2>what about and you need dollars and yours, then loading

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<v Speaker 2>up a card to be both of those before that

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

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

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

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

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<v Speaker 1>then you can keep an eye on things as.

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<v Speaker 2>You go, and then you can panic for the last

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<v Speaker 2>three days yet holiday when you realize that you ran

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<v Speaker 2>out about a week ago or.

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

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<v Speaker 1>This happens to Okay, the next one. I'm good at

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<v Speaker 1>this one. I see this is a mistake. I never

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<v Speaker 1>make paying in sterling on a card terminal. So when

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

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

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

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

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<v Speaker 1>I'm going to get 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 ever, probably not quite

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

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<v Speaker 1>the airport is far pretty bad, So you really don't

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<v Speaker 1>want to do that. And that is such 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 I noticed

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<v Speaker 2>was that the whales there would often, in some places,

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<v Speaker 2>not all places, but fifty percent of the time, they

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<v Speaker 2>would take your card away and they would make the

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

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<v Speaker 2>press the wrong ones. I don't know what's going on there,

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<v Speaker 2>and I know that the 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 where you are, people

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

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

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

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<v Speaker 2>Oh, I was kind of. I was quite surprised. Was

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<v Speaker 2>noticed happening often enough that I thought, what's going on here?

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

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<v Speaker 1>I was a shock.

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<v Speaker 2>I was appalled.

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<v Speaker 1>Last one 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.

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<v Speaker 1>Now, much easier travelers checks You had to take me

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<v Speaker 1>to the bank and cash them, and then they got

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<v Speaker 1>stolen and they 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, but 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

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

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<v Speaker 2>the Scottish notes looked really unusual. And this was about

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

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<v Speaker 2>and they pulled out the big book of notes. It

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<v Speaker 2>wasn't there.

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<v Speaker 1>I had.

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<v Speaker 2>He wandered around me, no money but eight quentin sterling

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

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<v Speaker 2>up buying like a bagett to lasts for twenty four hours.

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<v Speaker 2>So maybe kids, it's much eesier these days. You should

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<v Speaker 2>stop complaining about all of this stuff.

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<v Speaker 1>Last time I had Scottish money approved was endorse.

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<v Speaker 2>It's because that'll racist in 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>this also isn't gonna happen to John based on we've

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<v Speaker 1>been talking about so far. But some people might come

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<v Speaker 1>back from holiday with spare currency, actual physical notes in

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<v Speaker 1>their pockets, and they might sing to themselves as they

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<v Speaker 1>go through the airport on their way back. They might

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<v Speaker 1>think for themselves, Oh, I'll just walk go with that

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<v Speaker 1>desk and I'll change them back into sterling. You don't

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<v Speaker 1>want to do that. Here's numbers again from aj Bell.

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<v Speaker 1>You're a change will sell you one hundred and thirty

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<v Speaker 1>seven euros for one thousand pounds out like a good

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<v Speaker 1>deal relative to what we talked about earlier. But if

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<v Speaker 1>you bring all those euros back, can you exchange them again?

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<v Speaker 1>You'll only get nine hundred and four pounds in return.

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<v Speaker 1>You do not want to do that. Now, some of

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<v Speaker 1>the people who you can get your travel money from

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<v Speaker 1>will give you a buy back guarantee so you can

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<v Speaker 1>take the money back and change it back at the

0:10:08.800 --> 0:10:11.079
<v Speaker 1>same rate. Of course, there's going to be some kind

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<v Speaker 1>of charge or commission to that. So what do you

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<v Speaker 1>do with your foreign currency? John? If you come back

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<v Speaker 1>you don't know about this, do you never any left?

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<v Speaker 1>But let's see it.

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<v Speaker 2>For next time. Next time, because again, of course uros particlarly,

0:10:24.920 --> 0:10:27.080
<v Speaker 2>you know you're probably going to be going to euros

0:10:27.040 --> 0:10:28.000
<v Speaker 2>own country 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 liror and pasatus.

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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>girl with the dollars that I'll never go anys how,

0:10:38.840 --> 0:10:40.960
<v Speaker 2>don't treat them back more with the physical because you're

0:10:40.960 --> 0:10:43.280
<v Speaker 2>going to have to go up with even the one

0:10:43.280 --> 0:10:43.920
<v Speaker 2>in the airport.

0:10:44.120 --> 0:10:46.480
<v Speaker 1>Yeah, so I said, you know what, I'm buy back options.

0:10:46.760 --> 0:10:51.080
<v Speaker 1>Maybe maybe just take what you can get at the time,

0:10:51.160 --> 0:10:53.240
<v Speaker 1>because otherwise there may be people who are better at

0:10:53.240 --> 0:10:55.000
<v Speaker 1>admin than us. I don't know these people would be,

0:10:55.200 --> 0:10:58.160
<v Speaker 1>but if you're anything like us, just take what you

0:10:58.200 --> 0:10:59.600
<v Speaker 1>can get to the time, or it's going to sit

0:10:59.640 --> 0:11:01.440
<v Speaker 1>in your jour it's not worth anything anywhere.

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

0:11:06.600 --> 0:11:09.160
<v Speaker 1>Bird in the hand, Guys, bird in the hand.

0:11:09.160 --> 0:11:10.720
<v Speaker 2>They spent in the duty three in the way back.

0:11:11.920 --> 0:11:13.520
<v Speaker 1>Can you do that?

0:11:13.520 --> 0:11:15.319
<v Speaker 2>That depends on really hard I suppose do you.

0:11:15.400 --> 0:11:18.000
<v Speaker 1>I have another suggestion, John's you can put it in

0:11:18.000 --> 0:11:19.640
<v Speaker 1>that charity envelope on the aeroplane.

0:11:20.640 --> 0:11:25.280
<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 book.

0:11:27.440 --> 0:11:28.480
<v Speaker 2>Still in money from.

0:11:31.080 --> 0:11:33.240
<v Speaker 1>H h just right. I think John and I are

0:11:33.280 --> 0:11:47.520
<v Speaker 1>going to leave. Thanks for listening to this week's Mary

0:11:47.600 --> 0:11:49.840
<v Speaker 1>Talks to Your Money. If you like, rate, review, and

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<v Speaker 1>subscribe whereever 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

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<v Speaker 1>w and John Underscore Stepic. This episode was produced by

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<v Speaker 1>some Asadi tyala Amdi and is production sport and sound

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

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