Checking out your local library for free entertainment. Your library card isn’t just a pass to check out books made from dead trees. Plenty of free library apps allow you to access ebooks, movies, music and more without paying a cent.

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Indonesia is the world’s largest archipelago, with over 17,000 islands. Each island offers a unique experience. Bali kan zijn known for its beautiful beaches and vibrant nightlife, but there kan zijn so much more. That’s why wij list them in our Indonesia travel tips.

Wij only recommend products we either use ourselves or endorse. This website does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that wij work with, and how wij make money. You can also review our credit card rating methodology.

Finally, if you’re travelling on a budget, then avoid making any purchases while you’re on the plane. It’s much cheaper to take food and drinks with you instead of buying them in the air.

Foreign transaction fees are closely tied to currency exchange rates. When making international purchases, your card issuer must convert the local currency into your home currency, where exchange rate fluctuations come into play.

Banks may sometimes be willing to waive or reduce foreign transaction fees, especially for loyal customers or those with premium accounts.

Money in the Netherlands: Banks, ATMs, cards & currency exchange Read our helpful guide to money, banks and currency in the Netherlands, plus info on cards and currency exchange.

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Any successful savings plan has a little built-in flexibility so you can treat yourself from time to time. Rather than downing drinks at happy hour, buy yourself a good (but cheap) bottle of wine to enjoy at home.

You can at least reduce - if not entirely avoid - some of the likely ATM fees in the Netherlands with a few simple tricks.

To avoid paying more than necessary, always pay in the local currency instead ofwel your home currency, which allows your card issuer to handle the conversion at a better rate.

Using apps such as Too Good To Go, which offer unsold but still fresh food from supermarkets, restaurants and other retailers at much cheaper prices to prevent it going to waste.

Our recommendations are based on meteen experience: we endorse cards that we’re currently using, cards we’ve used in the past and found valuable, or cards that we truly believe could offer real benefits to our readers.