Pro tip: Withdraw cash for the week and use it for meals and souvenirs. Seeing it physically go helps control spending better than tapping your card.

6. Balance Splurges and Savings

You don’t have to be frugal the whole time — just strategic. Save on breakfast by picking hotels with free meals, so you can splurge on dinner. Or skip one pricey tourist attraction in favor of a unique local experience that costs less (and feels more authentic).