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When we come home at night, my wife and I each take a dollar from our wallets and put them in a special spot. We deposit what we've collected into a travel account at our bank every few months, so at the end of a year, we have $730 toward our next vacation—not counting interest.

I unpacked a pair of black slacks recently to find them covered with white fuzz. I didn't have a lint brush handy, so I used the luggage sticker from my bag--the gummy side took the lint right off.

Before traveling overseas, look at your health insurance card. If it only shows an 800 or 888 number for precertification of hospital admissions, call that number and obtain the local number with an area code. Many 800 numbers can't be dialed from foreign countries. I learned this the hard way during an emergency hospital admission in Switzerland. The delay in reaching my carrier could have been avoided.

When carrying around my small umbrella, I put it in a Ziploc bag. After using it, I can store the umbrella, back inside the Ziploc, in my shoulder bag without getting everything else soaked.

You won't always save by bringing the rental car back early. Alamo has an early-return policy at all of its locations, designed to discourage customers from returning cars early. If you show up at the lot a day or two ahead of schedule, Alamo will recalculate what you owe them at the daily rate; if it turns out to be less than what you would have paid for the week, they'll charge a $15 fee. Yet another reason to read the fine print on your contract carefully!

If you're traveling solo and your room has a double bed, sleep on the side farthest from the phone. It's slept on less frequently and is therefore more comfortable.

Cold-weather traveling means turning up the thermostat in your hotel room, and along with the artificially warmed air come dry skin and static electricity. Instead of turning on the heat, fill the bathtub with very hot water and leave the bathroom door open. In about an hour, your entire room will be warm and humidified.

Before traveling to any city, do a search on the Internet of the city name and the word "coupon" ("New Orleans coupon"). You will find many sites offering two-for-one, percentage-off, and dollar-off discounts. On a recent trip to St.Louis, we saved $100 at restaurants and attractions.

Our bags have been stolen twice from inside locked rental cars. Now we travel with a bicycle cable and lock. If we absolutely have to leave our suitcases in the car, I hook them together by the handles and attach the whole thing to the frame of a seat or a secure item in the trunk. Even if thieves manage to get into our car, the cable will make it very difficult for them to make off with the luggage.

Bungee cords make versatile travel accessories. They come in handy at the airport for lashing a duffel bag to a wheeled suitcase. They can be hooked together and used as a clothesline for swimsuits, towels, etc. On skiing trips, hook them onto ski boots to create carrying handles. While camping, use them to secure tarps, to suspend a lantern from a nearby tree limb, or to secure items in a canoe. They even hold your pants up if you misplace your belt.

Whenever I know I'll be renting a car, I pack a couple of folded paper towels and two small spray bottles--one filled with window cleaner and the other with Rain-X, a product that repels raindrops. It's hard enough driving an unfamiliar car in an unfamiliar location. At least with a clean windshield I'm able to see properly, no matter the weather.

Sign up for guest programs at every hotel chain that offers one, even if you haven't stayed at that hotel before or think you may not travel enough to reap benefits from multiple stays. Some programs send coupons for discounted rooms or complimentary room upgrades just for being a member. After signing up for the Omni Hotels Select Guest program, I received a coupon that I was able to redeem for a room in Chicago for $80 per night.

We've traveled to both Mexico and China in the last year and had the same experience in both countries: When we tried to exchange dollars to local currency, the banks wouldn't take bills with graffiti on them--telephone numbers, names, doodles, anything. Nor would they accept any bills that were torn or damaged. (We noticed a group from France having the same problem with their euros.) So before you leave home, make sure that any money you plan on exchanging is absolutely crisp and clean--or better yet, ask your bank specifically for brand-new bills.

Before my last long flight, I went to librivox.org and chose a bunch of books, short stories, and poems to download to my iPod--for free. The site has both adult and children's books, and the list is growing. All of the titles are in the public domain, and they're read by volunteers, so there's no question of copyright infringement. Even if you don't own an iPod, you can download them to your computer and burn them onto a CD.

Read the fine print on your rail pass. You can often use it to save money on other modes of public transportation. With a Scandinavian rail pass, for example, you'll pay less to ride the ferries. In Switzerland, a rail pass can get you free bus rides, as well as complimentary entrance to museums and discounts on funiculars and hotel accommodations.

When my husband and I would stay in a hotel with our two-year-old, a full night's sleep was out of the question. The minute our son opened his eyes (at 2,3,or 4 a.m.), he woke us, thinking it was time to play. We now pack a pop-up tent and set it up in a corner of the hotel room with books, a blanket, and a few small stuffed animals. The tent folds down to a 14-inch circle and weighs about a pound. It works great! My son has his own "room" to sleep in when we vacation, and we all get to sleep through the night!

Before exchanging foreign currency at the airport, find out if there's a departure tax. At the Bangkok airport, we were very upset- as were travelers around us- to find we had to pay a fee before continuing to our gate. Unfortunately, by that point everyone had cashed in their baht, so the options were a conveniently located ATM, a credit card, or an exchange booth with notably poor rates. When we described this incident to friends, they told us of a similar experience when trying to leave the Dominican Republic.

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.)

I agree that the anti-seasickness medication for cruises, Bonine, is excellent and effective; but there is a budget way to buy it. The primary ingredient in Bonine is meclizine (25 mg). While a package of eight Bonine tablets costs just over $4 at a drugstore, you can buy a bottle of 100 generic meclizine (25 mg) for about the same price. This is an over-the-counter (no prescription needed) item, but you usually have to ask for it at the pharmacy counter.

Choosing a cabin is all about location, location, location. Check the ship's layout online before booking, and opt for a room with passenger floors above and below you. You don't want to try to sleep right under the disco, the casino, or the running track.

We decided to take our bikes on our last Caribbean cruise. It was a little crowded in the cabin, so the steward let us store them down the hall with the wheelchairs. We were last off the ship when we docked in Bermuda, but after five minutes we'd left our fellow passengers in the dust. And in less than fifteen minutes, we were far away from the busy port, enjoying a beautiful, deserted snorkeling beach.

You can suspend more than your newspaper when you're away. On several occasions, DirecTV has agreed to put my account on hold while I was traveling--without penalties, additional fees, reconnection charges, or the like. So, instead of a monthly bill of $65, mine gets prorated.

When you're shopping for alcohol on any Caribbean island, ask if there's a Kmart nearby. Often the dis- counter is a short distance from the docks where the cruise ships tie up and has an extensive selection at prices lower than the liquor stores on the main drag. While you're there, pick up that extra roll of film or the sunscreen you forgot.

I like to bring a Frisbee when I travel. At the hotel, it's a convenient place to collect car keys, loose change, my ChapStick, and any other small objects I normally keep in my pockets. I always know where everything is, and things won't fall off the nightstand. It's also handy to have so you can play Frisbee at a nearby park or beach.

Many tourist information offices provide discounted same-day booking services for local lodgings. My husband and I discovered this when we accidentally left a midweek gap in our travel plans between my husband's conference hotel and our B&B in Charleston. Instead of adding another night at either location, we stayed at one of the more elegant inns (normally over $200) for $70, courtesy of the Charleston Convention and Visitors Bureau.

When booking a rental car online, click on "special offers" or "hot deals" to find the company's current promotional codes. Price your reservation using each code. Also, keep in mind that rates fluctuate according to seasons and slow periods. I managed to save more than $170 on a ten-day rental in Orlando, Fla.,by changing my reservation dates twice and by using different codes.

When parking in a crowded garage, don't settle for the first space available on a lower level. It's probably a half-day hike from the elevator. Instead, drive to the upper levels, where you can usually park right next to the elevator. This tip was very useful in Las Vegas, especially when checking in and out of hotels with our luggage.

If you wait to buy a discount-granting Entertainment Book until around six months before it expires (expiration is usually scheduled for November), you can often buy a $20 to $47 book for as little as $10, plus $5 shipping. Online access to the coupons is sold for $7 a month. These are great for vacations out of town.

The help of a concierge at an expensive hotel is available even if you're staying at a motel across the street. Go to the concierge with $5 (or whatever the assistance is worth to you) held discreetly but visibly in your hand. Chances are you won't be asked whether you're staying at the hotel. This worked for us once when we were stranded by a blizzard. We tried to rebook our flights on our own, but phones at the airlines were busy for two days straight. The concierge at a fancy hotel a few blocks away got through on his first try and managed to rearrange our flights for us.

Recycle the long plastic bags in which you receive your home-delivered newspapers. Slip your shoes into the bags before packing them in your suitcase.