Disney Information Station Logo

Go Back   The DIS Discussion Forums - DISboards.com > Global Neighbours > UK Trip Planning Forum
Find Hotel Specials & DIScounts
 
facebooktwitterpinterestgoogle plusyoutubeDIS UpdatesDIS email updates
Register Chat FAQ Tickers Search Today's Posts Mark Forums Read





Reply
 
Thread Tools Rate Thread Display Modes
Old 04-08-2013, 08:20 AM   #31
wayneg
VMK AceCaptainWayne
I can't get my mouth to say healthy things
 
wayneg's Avatar
 
Join Date: Jul 2003
Location: Dewsbury, UK
Posts: 23,209
DISboards Moderator

Quote:
Originally Posted by Laszkowicz View Post
We intend to take all cash ( and a credit cards for back up emergencies )
I'm sure many will disagree with carrying $1000s in cash on hol but as

PP have said we just split it all into days and spread the cash out. All carry some, some in safe. Some in our of sight money belt.

I don't like cards when away.
We do the same in Spain France and generally money rolls over into next days.
Yes totally disagree, insurance usually only covers £100-300 but its your money, your choice.
__________________
  • 1993Travelodge Maingate East,1997Holiday Inn Nikki Bird,1999Sheraton 4 Points/Clearwater Hilton, 2000(Xmas) Disney’s ASMo
  • 2001Travelodge Maingate East, 2002 NYC Crowne Plaza Times Sq./Orlando Sheraton World Resort 2003(Aug) La Quinta Lakeside
  • 2003(Oct) Disney Wonder +Raddison Parkway2004(Oct) Disney Magic + Homewood Suites, 2004(Xmas) Hilton DTD
  • 2005(Oct) Disney Magic + BW Lakeside, 2005 (Xmas) BW Lakeside, 2006(Aug) Courtyard By Marriott LBV + 1st RCCL cruise,
  • 2006(Oct) Disneyland, Cailfornia Howard Johnson, 2006(Xmas)Comfort Inn LBV,2007(Easter)Fairfield Inn, Marriott Village
  • 2007(Aug)Courtyard By Marriott LBV, 2007(Oct) Disneyland CA, HoJo/Vegas, Flamingo,2008(Easter) Windsor Hills, Disney Wonder, Fairfield Inn
  • 2008(Aug)Country Inn, 2nd RCCL, AKL, 2008(Oct)& 2008(Xmas)Fairfield Inn, 2009(May)Country Inn 2009(Aug)OKW, Disney Magic, Regal Sun
  • 2010(Easter) Hampton Inn LBV 2010(Aug) Royal Pacific & OKW 2011(Feb)H.I. Express LBV 2011(Aug)OKW, Disney Dream, HI DTD
  • 2011(Oct) Fairfield Inn 2012(Aug) Fairfield Inn, OKW 2012(Nov) Fairfield Inn 2013(Apr) Fairfield Inn LBV 2013(Aug) Swan & ESA LBV 2013(Oct) ESA LBV
  • 2014(Jul) Hilton Garden Inn LBV 2014(Sept) Disney Magic 14nt WBTA, Wyndham Bonnet Creek
wayneg is online now   Reply With Quote
Old 04-08-2013, 08:38 AM   #32
wilma-bride
Would love a diet on Cadbury Flakes
Admits she's strange when it comes to eggs
 
wilma-bride's Avatar
 
Join Date: Jul 2005
Location: Wiltshire, UK
Posts: 20,930
DISboards Moderator

Quote:
Originally Posted by MrRomance View Post
There was a time many moons ago when you got a better rate for travellers cheques and you could spend them like cash. That has changed a little now, in that the rate is the same and some retailers have stopped accepting them.

There are pros and cons to all of the options, but we tend to just take US dollars in cash these days. Travellers cheques are more secure and safe, in that they are covered if they are lost or stolen but if you have decent travel insurance, your spends are covered on that anyway. I have never been a fan of the currency cards because there are (not so hidden) fees to use them and sometimes you NEED cash, for example for tolls etc.
We came across lots of places in Vegas where they were no longer accepting Travellers Cheques.

I can understand why people are hesitant about the currency cards as it does take a little more work to keep track of your spending and there are those which have hidden (and not so hidden) charges. We had a Travelex Cash Passport one year and, it was only when checking the balance online some 15 months after our return (in advance of topping up for the next trip) that I realised we'd been charged an 'inactivity fee'. We switched to Fairfx at that point and, as we only use the card for paying for meals/large purchases, we don't have any charges to worry about and there is no inactivity fee.

We do still carry some cash - for tolls, small purchases like drinks/snacks, tips etc. but it is usually only around $200-$300 (no more than the amount covered on our insurance).

Quote:
Originally Posted by ChipnDaleRule View Post
I feel a lot more "old school".I feel safer with travellers cheques and i find it easier to keep a track of how much ive spent as we tend to try and keep to a daily budget.Last time i bought travellers cheques from the post office i was given the third degree as to why cheques and not the post office card, which really got my back up.Even at the hotel some of the staff didnt know how to change them, also could only change $200 a day.They are still my prefered method though.
I think, in the future, Travellers Cheques will become less and less common and you will come across many places that won't take them/don't know what to do with them. As I said above, in Las Vegas we saw quite a few places with signs up saying they could no longer accpet TCs. However, don't fall for the flim-flam that the travel agents use to try and push their currency cards, where they tell you that they are being phased out. I think that they will naturally phase out because the use of currency cards is on the increase but we haven't come across anywhere on our travels to Florida yet that won't take them.

Quote:
Originally Posted by Laszkowicz View Post
We intend to take all cash ( and a credit cards for back up emergencies )
I'm sure many will disagree with carrying $1000s in cash on hol but as

PP have said we just split it all into days and spread the cash out. All carry some, some in safe. Some in our of sight money belt.

I don't like cards when away.
We do the same in Spain France and generally money rolls over into next days.
I'm with Wayne on this one - it is highly unlikely that large amounts of cash will be covered on your travel insurance (or home insurance) and you would be completely out of pocket (and up the swanny) should you lose your cash or have it stolen. Friends of ours have actually had money stolen from an in-room safe at an exclusive resort in Orlando so, even keeping it in a safe is no guarantee. We never carry more cash than is covered on our insurance.

The reason we tend to use a currency card, however, is that we like to know that the money is there up-front (stops us spending money we haven't got). And I know there are people (Wayne) who will say that you just save the money and pay the bill when you get home but, without that limit on our spending, we don't think so carefully about how much we're spending and end up with a (nasty) surprise when the CC bill comes through. We tried doing exactly that last month, when we went to Vegas. Thought we would just keep the money in the bank and put everything on the CC. Then the bill came last week and I really had no idea we'd spent as much as we had. When using the Fairfx card, because we keep track of it daily, if we see we are going a bit over budget, we can cut back a bit accordingly and curb our spending to get back on track. With the credit card, we didn't even think about what we were spending as we didn't have to worry about running out of money.
wilma-bride is offline   Reply With Quote
|
The DIS
Register to remove

Join Date: 1997
Location: Orlando, FL
Posts: 1,000,000
Old 04-08-2013, 12:30 PM   #33
theminx08
Mouseketeer
 
theminx08's Avatar
 
Join Date: Jun 2010
Location: Great Yarmouth, Norfolk
Posts: 156

We always take cash. Occasionally we will use our credit card but prefer cash to avoid any charges. You can use a debit card in cash machines there too which we have done before. .
My son insisted on choosing the icon.! Lol.
theminx08 is offline   Reply With Quote
Old 04-08-2013, 01:01 PM   #34
Laurafoster
DIS Veteran
 
Laurafoster's Avatar
 
Join Date: Aug 2005
Location: Hertfordshire, England
Posts: 4,929

Quote:
Originally Posted by wilma-bride View Post

I'm with Wayne on this one - it is highly unlikely that large amounts of cash will be covered on your travel insurance (or home insurance) and you would be completely out of pocket (and up the swanny) should you lose your cash or have it stolen. Friends of ours have actually had money stolen from an in-room safe at an exclusive resort in Orlando so, even keeping it in a safe is no guarantee. We never carry more cash than is covered on our insurance.
We know people who have had money stolen from an in room safe too so for me its not worth the risk.

We personally use a credit card for our large purchases and take a small amount for tolls/drinks etc in cash.
__________________
Laurafoster is offline   Reply With Quote
Old 04-08-2013, 03:18 PM   #35
Claire Bear
Mouseketeer
 
Claire Bear's Avatar
 
Join Date: May 2012
Location: Leeds
Posts: 482

We've just come back from Portugal and always take too many Euros but save it for the next holiday. Don't want to take too much cash to Florida so will probably take about £300 each and put the rest on a credit card (We're on DDP). Is there a credit card which is best to use in the US, smaller fees etc?
Claire Bear is offline   Reply With Quote
Old 04-08-2013, 03:20 PM   #36
wilma-bride
Would love a diet on Cadbury Flakes
Admits she's strange when it comes to eggs
 
wilma-bride's Avatar
 
Join Date: Jul 2005
Location: Wiltshire, UK
Posts: 20,930
DISboards Moderator

Quote:
Originally Posted by Claire Bear View Post
We've just come back from Portugal and always take too many Euros but save it for the next holiday. Don't want to take too much cash to Florida so will probably take about £300 each and put the rest on a credit card (We're on DDP). Is there a credit card which is best to use in the US, smaller fees etc?
The Post Office credit card has no fees on overseas transactions. You also get the business rate of exchange on any transactions.
wilma-bride is offline   Reply With Quote
Old 04-08-2013, 03:32 PM   #37
Claire Bear
Mouseketeer
 
Claire Bear's Avatar
 
Join Date: May 2012
Location: Leeds
Posts: 482

Quote:
Originally Posted by wilma-bride

The Post Office credit card has no fees on overseas transactions. You also get the business rate of exchange on any transactions.
Thank you. Post Office one sounds ideal.
Claire Bear is offline   Reply With Quote
Old 04-08-2013, 03:57 PM   #38
wilma-bride
Would love a diet on Cadbury Flakes
Admits she's strange when it comes to eggs
 
wilma-bride's Avatar
 
Join Date: Jul 2005
Location: Wiltshire, UK
Posts: 20,930
DISboards Moderator

Quote:
Originally Posted by Claire Bear View Post
Thank you. Post Office one sounds ideal.
I have the Post Office one, it is great for foreign spending.
wilma-bride is offline   Reply With Quote
Old 04-08-2013, 04:03 PM   #39
wayneg
VMK AceCaptainWayne
I can't get my mouth to say healthy things
 
wayneg's Avatar
 
Join Date: Jul 2003
Location: Dewsbury, UK
Posts: 23,209
DISboards Moderator

Quote:
Originally Posted by Claire Bear View Post
Thank you. Post Office one sounds ideal.
Used PO a few years, as Joh says no fees and full interbank rate, not tourist rate you get with cash & travellers cheques, today I am getting $1.525
I have also just recieved the Halifax Clarity card, exactly the same, no fees and interbank rate.

I think my mind works totally differently most on here, I spend less with a credit card than cash. If I have cash I think its spare money, credit card I know its to pay off so think twice about using it.
__________________
  • 1993Travelodge Maingate East,1997Holiday Inn Nikki Bird,1999Sheraton 4 Points/Clearwater Hilton, 2000(Xmas) Disney’s ASMo
  • 2001Travelodge Maingate East, 2002 NYC Crowne Plaza Times Sq./Orlando Sheraton World Resort 2003(Aug) La Quinta Lakeside
  • 2003(Oct) Disney Wonder +Raddison Parkway2004(Oct) Disney Magic + Homewood Suites, 2004(Xmas) Hilton DTD
  • 2005(Oct) Disney Magic + BW Lakeside, 2005 (Xmas) BW Lakeside, 2006(Aug) Courtyard By Marriott LBV + 1st RCCL cruise,
  • 2006(Oct) Disneyland, Cailfornia Howard Johnson, 2006(Xmas)Comfort Inn LBV,2007(Easter)Fairfield Inn, Marriott Village
  • 2007(Aug)Courtyard By Marriott LBV, 2007(Oct) Disneyland CA, HoJo/Vegas, Flamingo,2008(Easter) Windsor Hills, Disney Wonder, Fairfield Inn
  • 2008(Aug)Country Inn, 2nd RCCL, AKL, 2008(Oct)& 2008(Xmas)Fairfield Inn, 2009(May)Country Inn 2009(Aug)OKW, Disney Magic, Regal Sun
  • 2010(Easter) Hampton Inn LBV 2010(Aug) Royal Pacific & OKW 2011(Feb)H.I. Express LBV 2011(Aug)OKW, Disney Dream, HI DTD
  • 2011(Oct) Fairfield Inn 2012(Aug) Fairfield Inn, OKW 2012(Nov) Fairfield Inn 2013(Apr) Fairfield Inn LBV 2013(Aug) Swan & ESA LBV 2013(Oct) ESA LBV
  • 2014(Jul) Hilton Garden Inn LBV 2014(Sept) Disney Magic 14nt WBTA, Wyndham Bonnet Creek
wayneg is online now   Reply With Quote
Old 04-08-2013, 04:34 PM   #40
Cyrano

Disney VIP
Anyone for haggis
Aren't we all a cagey lot
 
Cyrano's Avatar
 
Join Date: Oct 2004
Location: 6,800Km from our happy place
Posts: 31,814
DISboards Moderator

Another Halifax Clarity user here. I only have cash for tips and just as at home would use a card to spent £1/$1
__________________
Reid

Theme Park Attractions & Strategies board
20 nights Disney and Universal July 2015
Twelve highlanders and a bagpipe make a rebellion.
Cyrano is offline   Reply With Quote
Old 04-08-2013, 04:42 PM   #41
Magic Megadegs
Mouseketeer
 
Magic Megadegs's Avatar
 
Join Date: Aug 2012
Posts: 467

A bit gutted that I cannot apply being based in the Channel Islands. Both the post office and Halifax clarity cards are not available to me. The Fairfx card is however.

The idea of ore loading and having to keep a track to the cent fills me with dread though. I imagine me with a notepad and receipt clip, keeping track of every dollar and cent. I'm sure my dh will think this is a fabulous idea but I am not so sure!!!

Thinking cap back on x
__________________




Dec / Jan 1990/1991 Villa Xmas, August 1993 I Drive, November 2001 I Drive, August 2003 I Drive Honeymoon , Dec / Jan 2010/2011 Reunion Resort Xmas, August 2013 Caribe Royale & Old Key West Resort , February 2014 Holiday Inn Resort LBV
Magic Megadegs is offline   Reply With Quote
Old 04-08-2013, 04:46 PM   #42
wilma-bride
Would love a diet on Cadbury Flakes
Admits she's strange when it comes to eggs
 
wilma-bride's Avatar
 
Join Date: Jul 2005
Location: Wiltshire, UK
Posts: 20,930
DISboards Moderator

Quote:
Originally Posted by Magic Megadegs View Post
A bit gutted that I cannot apply being based in the Channel Islands. Both the post office and Halifax clarity cards are not available to me. The Fairfx card is however.

The idea of ore loading and having to keep a track to the cent fills me with dread though. I imagine me with a notepad and receipt clip, keeping track of every dollar and cent. I'm sure my dh will think this is a fabulous idea but I am not so sure!!!

Thinking cap back on x
It's really not that bad. I just keep the receipts and each evening just do a quick deduction of what we have spent. As I said, we really only use the Fairfx for meals and large purchases so there's not that much to keep track of (probably no more than 2 or 3 receipts per day) and it takes just a few seconds. You can also check your balance online (although it can take a little while for all the transactions to show up so not a true picture).
wilma-bride is offline   Reply With Quote
Old 04-08-2013, 05:14 PM   #43
scoobydooby
Dreaming of next Disney trip
 
scoobydooby's Avatar
 
Join Date: Aug 2007
Location: Midlands
Posts: 1,874

Quote:
Originally Posted by Magic Megadegs View Post
A bit gutted that I cannot apply being based in the Channel Islands. Both the post office and Halifax clarity cards are not available to me. The Fairfx card is however.

The idea of ore loading and having to keep a track to the cent fills me with dread though. I imagine me with a notepad and receipt clip, keeping track of every dollar and cent. I'm sure my dh will think this is a fabulous idea but I am not so sure!!!

Thinking cap back on x
I put a big credit on my credit card before we travel (so its acting like a debit card while we are there) and take some cash. I think if you have a zero balance on your CC usually this is a safe plan. I do accept, possibly not the most cost effective, but another option I thought might help you
__________________
Scoobydooby - Next at WDW in May 2014, AKL for girls only extravaganza and then again in August 2015 for a full family shebang!!!
scoobydooby is offline   Reply With Quote
Old 04-08-2013, 05:44 PM   #44
Claire Bear
Mouseketeer
 
Claire Bear's Avatar
 
Join Date: May 2012
Location: Leeds
Posts: 482

Quote:
Originally Posted by wayneg

Used PO a few years, as Joh says no fees and full interbank rate, not tourist rate you get with cash & travellers cheques, today I am getting $1.525
I have also just recieved the Halifax Clarity card, exactly the same, no fees and interbank rate.

I think my mind works totally differently most on here, I spend less with a credit card than cash. If I have cash I think its spare money, credit card I know its to pay off so think twice about using it.
I bank with Halifax (One at White Rose is so handy) so that would be good. I've spent 2 years giving myself strict monthly spending amounts to pay off my credit cards and get some savings together so I'd probably be like you now Wayne and not want to overspend on one. Hope you're having a great holiday
Claire Bear is offline   Reply With Quote
Old 04-08-2013, 05:58 PM   #45
Magic Megadegs
Mouseketeer
 
Magic Megadegs's Avatar
 
Join Date: Aug 2012
Posts: 467

Quidco are paying £25 for post office credit card applications at the moment. Just to add salt to my wounds, lol.
__________________




Dec / Jan 1990/1991 Villa Xmas, August 1993 I Drive, November 2001 I Drive, August 2003 I Drive Honeymoon , Dec / Jan 2010/2011 Reunion Resort Xmas, August 2013 Caribe Royale & Old Key West Resort , February 2014 Holiday Inn Resort LBV
Magic Megadegs is offline   Reply With Quote
Reply



Thread Tools
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On

Forum Jump

facebooktwitterpinterestgoogle plusyoutubeDIS Updates
GET OUR DIS UPDATES DELIVERED BY EMAIL



All times are GMT -5. The time now is 02:47 AM.

Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.

Copyright © 1997-2014, Werner Technologies, LLC. All Rights Reserved.