Why Haven't You Heard Of...Yelapa, Mexico?

Though they're often the best deals around, don't assume that packaged vacations always offer the biggest bang for your buck. My wife and I were ready to book an air/hotel package to Maui when we noticed a sale on Aloha Airlines ($280 round trip from Oakland). I added up the total cost of the trip if purchased separately and saved $400 over comparable packages from various tour operators. We used the extra money to stay in a nicer hotel and to rent a convertible!

If you arrive in a foreign city after banking hours (and you can't use an ATM), convert only the money you'll need for the night. Some exchange booths offer a less favorable rate after banks close and then switch back to competitive rates when banks reopen.

To feed a family of four in a very expensive tropical location like Anguilla or Bermuda (or most other Caribbean locations, for that matter), check to see if your hotel has phone books and look up the local pizza place. Nine times out of ten the pizza purveyors will deliver for free. You'll end up spending no more than $20 on pizza, bread sticks, and soda.

To ensure the studs of pierced and delicate earrings don't get damaged, I put them in a film canister. An added benefit is that they're less likely to be stolen when left in a suitcase or hotel room, because thieves presume there's nothing inside but film.

When I travel with friends, we decide ahead of time who's going to bring what. If we're sharing a suite or have adjoining rooms, we don't need multiple hair dryers and umpteen bottles of shampoo. With the weight limits on baggage, we'll need the extra space in our suitcases for souvenirs!

Cruise lines offer packaged side trips at their ports of call. If you go online and look for these expeditions ahead of time, you can book directly with the tour companies and save money.

Scuba-diving vacations can get expensive. As I start planning a trip, I call one of the local PADI dive shops and ask the employees about accommodations nearby. They give me hotel connections I couldn't find on my own, and I often save enough to pay for my dives.

Put your perfume and cologne bottles inside pairs of rolled-up socks to keep them cushioned during your journey.

Disposable-camera lenses scratch just like any other lens would. Place a small piece of painter's tape (or another kind that won't stick too much) over the lens to protect it from contact with other items in your purse or backpack during travel.

Finding the bathroom in the middle of the night in a strange hotel room or cruise-ship cabin can be a challenge. Leaving the bathroom light on seems wasteful and makes the room too bright for sleeping. My husband and I used to travel with a night-light, but we couldn't always find a convenient place to plug it in. We've recently discovered a better solution: plastic light sticks. They come in several glow-in-the- dark colors and are activated by bending the tube into a circle and connecting the ends. Each evening, we hook one of the loops over the bathroom-door handle, where it provides a gentle glow through the night.

I bought several items while in London and noticed when I returned home that my credit card number was printed in full on each sales slip. (In the United States, usually only the last four digits of the number are visible.) Travelers should be careful when using their credit cards overseas--don't leave the sales slips lying around.

Try to book the first flight out in the morning, because those planes often arrive at the airport the evening before. You won't have to rely on an incoming plane, which could be delayed or canceled due to bad weather elsewhere, resulting in your own flight being delayed or canceled.

Always carry peanut butter. A plastic jar is easy to pack, doesn't need refrigeration, is a great source of protein, and makes a quick, cheap meal when coupled with local bread. (But don't forget to pack a plastic knife for spreading it.)

Download the most up-to-date airline schedules from the individual airline Web sites to your PDA before you leave home. Should you encounter a delay or cancellation at the airport, you'll have all the information needed to find another flight quickly.

Batteries for cameras, laptops, cell phones, and other devices can be charged at night in your hotel room. But if you're doing a lot of driving, you might want to buy an inverter to charge them while on the road. Inverters (which plug into the car's cigarette lighter) are small, inexpensive, and can be purchased at auto-supply, variety, or electronics stores.

If your travels take you to U.S. cities large enough to have museums, zoos, and/or botanical gardens, consider buying a membership in your home city's counterpart. Many have reciprocal privileges with institutions elsewhere. A membership at Chicago's Lincoln Park Zoo, for example, lets you see the National Zoo in Washington, D.C., and zoos in Los Angeles, Des Moines, and Jackson, Mississippi, at no charge.

My husband and I always travel around Europe by train. When we arrive in any city, we first stop at a ticket window and get all the information we'll need for the next leg of our journey. This gives us plenty of time to find an English-speaking ticket agent who'll print out departure times and platform numbers for us. Before leaving the station, we can note the location of the platform we'll be looking for that morning. One wrong move when you're rushing for a train and you could end up in the wrong city!

When you travel to a beach destination, bring your own snorkel gear. We bought snorkels, masks, and fins at home for half-off (at an end-of-summer sale) before a trip to Hawaii. They didn't take up much room in our luggage, and we would have spent as much or more renting the equipment.

A beach ball can replace many expensive in-flight gadgets. Depending on how much you inflate it, the ball can function as a very comfortable footrest, a back support, or a lap pillow to support your book.

Many computer photo albums use camera date stamps to organize collections. Whenever you're traveling in a time zone that might affect the date stamp (if you're crossing the International Date Line, for example), remember to reset your camera's clock.

Everyone knows that duct tape is great for helping out in travel emergencies, but no one wants to lug around a bulky roll of the stuff. By wrapping a few feet onto a pencil or ballpoint pen, you'll get a miniature roll that does not take up much in the way of additional space.

My husband cut an old contact lens case in two and uses the halves to carry his medication when we're traveling. He prefers them to regular pillboxes because lens cases are watertight and compact enough to carry inside a shirt pocket.

We were told by an airport security official to tape a business card onto the cover of our laptop. Turns out he has an average of six laptop computers left behind each day! There are so many more procedures now--removing shoes, removing coats--that people forget when they send their laptop through in a separate bin. The official added that it's very difficult to return them because most laptops have passwords that keep the owners' personal information hidden.

If you're packing a lunch to eat later in the day, freeze a 16-ounce water bottle and pack it, along with yogurt, cottage cheese, a ham sandwich, or whatever in a light- weight, insulated bag. Your snacks will remain cold, and you can drink the water.

Spring skiing often means a wild temperature shift from morning to afternoon. If you want the option of removing outer layers or switching to a lighter ski jacket midday, attach the lift ticket to your clothing with a split-ring key ring. You'll be able to move your ticket as the weather warms up.

With two of our last three car rentals, the local branch wanted documentation beyond the standard insurance card issued by our insurance company. In San Juan, we were delayed a half hour while the agent made phone calls to verify that our liability insurance was good in Puerto Rico. In Miami, if we hadn't provided proof that our insurance covered rental cars, we would've been charged a daily collision insurance fee. Fortunately, we knew ahead of time and took a copy of the pertinent section of our policy. Our credit card included car rental insurance, but proof of that coverage was also required.

Use an empty M&M's Minis tube to carry quarters. The top holds tightly, but still pops open easily enough, and the size is perfect to slip into a car door or bag. I find it very useful when traveling by car (for tolls and parking meters) and by airplane (for luggage carts or newspapers).

When my husband and I travel with our children, our luggage is weighed down by diapers, formula, and other necessities. To save space and hassle, we now ship ahead most of those items to our hotel. We also came across a Web site called babiestravellite.com, where we can order supplies and have them shipped anywhere in the world.

If you know you'll be cooking while on vacation, bring along small amounts of the spices you need for your favorite recipes. You'll save by not buying large containers of spices.

You can enjoy free airport-area parking by staying the night before departure at an airport hotel or motel that offers park-and-fly rates. The cost of that overnight (which usually entitles you to two weeks of parking) is much less than what you'd otherwise pay at an airport parking lot.