The Best Laid Schemes: Money Matters While Traveling


Update March 10, 2018

It is with chagrin that I write this. It has been a few months since my Ireland and Scotland trip. And what I came back to certainly wasn’t fun. Last year I wrote about being careful while traveling, especially where money and safety is concerned. I had two incidents happen to me while traveling, even though I was vigilant and had planned well in advance, was always on guard. One of the big drawbacks of traveling alone, you don’t have a mate to watch your back. You spend a great deal of time watching every corner, when really you want to be watching the sights. How do you tour and enjoy sights while not being targeted is the big question. And even when you plan, you can still get swiped.

In my last article I wrote about how to carry your money, do money belts really work, how hard was it to travel with cash or money. This most recent trip I had gathered up and taken some cash from the UK and Ireland, Pounds and Euros. I kept a certain amount for both on or locked in safes in places I stayed. I only carried small amounts of cash and guarded my concealed chip card fiercely. I still had incidents. I didn’t want to have to access ATMS or anything that would be compromised unless I needed to. Best laid schemes and all.


Cash is always good to have, especially when you have a desire to not collect chip card fees. It is also a bit of a burden while traveling. You can keep large amounts of cash, but it’s not usually a good idea. Even with a lockable case, or if you are lucky, a hotel room with a safe, you shouldn’t have large amounts on your person as you are making yourself a target. So, I had to decide what the cash budget for a day would be, try to keep that very low, conceal it, stuff a fiver or a tenner in the key pocket of the Levis for cash items, the rest was prepaid travel card. I didn’t want to have to access foreign exchanges too often, there were always fees involved. Card use depended on using for food at restaurants mainly, and I tried to keep that down because fees may be charged again. They may seem minimal, but usage fees can total over £ 50.00 by the end of your trip, and if you are limited to currency because your card company won’t do two or more currencies to your card, you will get exchange fees. So budget £ 5-8.00 for a day if using one for the extra fees.

For the most part, money belts do work, especially if you get a low profile one that you can sling low and hide in jeans it’s not quite as obvious. Cloth money belt may be more desirable due to heat and moisture, but one with internal pockets.

I carried my cash from town to town and through airports using a money belt. Problem was they made me take it off and put in the bins during boarding. This was extremely nerve wracking as it was out of sight and I had to keep chasing down the bin and keep track of everything else as well. The money belt worked otherwise for the most part, I found it was better while traveling on trains. So, even though the belt was made to not trigger alarms at the airport, they still found it. Concealed card holders usually make it through if there is not a metal snap. Better to wait and get the cash there after you arrive.


Most of the cities you will tour are filled with students, and backpacks are the norm. You also want to be able to meet and greet locals and get a feel for a place. You should be able to just talk to anyone, right? But you always have to think the most affable could be sizing you up. Pickpockets have been in the trade for over a thousand years. And they have gotten more sophisticated than you think, think super spy.

If you are touring and doing serious backpacking with a kit and this is your mode for travel as well, you will probably want to take a smaller low profile version along for town day excursions. Back packs are magnets for a lift or slash. If you are touring and need to do several hours away from hotel or other lodging, purses and such are not a good thing. Too easy to slash and grab. You can buy modified purse/backpacks with reinforced straps, but the best thing to do is buy very small back packs with low profile or lockable zippers. While some thieves will still slash a bag, many are subtle and will unzip while standing next to you and you are distracted by the sights or your companions. Be wary of who is next to or near you.

I purchased a very low profile, small backpack that really sat against my body. It had hidden, recessed zippers and a compartment for my iPad. However, with careful planning I still was almost a victim. While in Dublin in large crowds, apparently someone went for my iPad. The recessed zippers hadn’t mattered. I had barely noticed the jostle and almost forgot it all together until two young girls came up and said that my pack was open and looked like a grab had happened. I checked everything and luckily the would be thief had not made off with the iPad, or any other valuable item like the passport. The girls said it happened a lot in the area. So, whenever possible, practice looking tragically hip while guarding your backpack, especially in the Temple Bar area.

Cash Card

I went with a cash card again on this trip. However, I did bring my ATM card as a backup if it got stolen. Big mistake. I had been really vigilant about getting cash. I was trying not to use the chip travel card to get cash, wasn’t sure how safe it would be. If I needed cash I went directly to accredited money exchangers after checking Yelp for reviews, and in some UK Post Offices you can use their exchange. I figured if you got a receipt and if they are a chain, you have some recompense if there is a problem. However, depending on remote locations, sometimes the card wouldn’t work for buying meals and such, being WiFi processing dependent. I was doing really well with managing the money, and really thought I had done okay until I got back to the US and found my checking account had been cleared out. The bank got me the records and after contacting Scotland Police by email, I began looking at a trail of how my account was cleared out. It appears the one time I got desperate for cash on a tour, I used a small stand alone ATM at a petrol station. Bad idea. A card skimmer had been attached and as I looked at records, I followed a parallel track to my travels, going through the Highlands and into Edinburgh, the same days I was there for Fringe Festival. Lesson learned, don’t bring anything attached to your bank account and use it to access funds.

Credit Cards

When traveling we often use our credit cards, they usually can be replaced when lost or stolen while traveling if your card is supported internationally. Just be prepared for the the foreign transaction fees. Check with your bank about their rates of exchange before you go. Always plan in your budget for the fees that will hit you when you return. Depending on your countries of travel, you may want to have a card that is with one of the major card companies, Visa or Master Card. Virgin Money is still only available in UK, Europe and Australia.However, the interest rates are terrible. Use credit card sparingly and use the prepaid card for food and expenses.

Large card companies will have the best infrastructure to wire money or replace card overnight in some countries. Travel cards that you preload can be advantageous, but will also accrue per use fees, and if you return and still have money on them, you may get charged monthly fees as well. Close out your cards when you return unless you plan to travel within a year. Contact your card holder for details. I went with Travelex again and for the most part they worked, but the cards were not the latest processing cards and some of the newer chip readers had trouble with them. If you bring your card, make sure you know about any emergency limits. If you have a medical issue in another country, your personal insurance will not cover most expenses. You should buy travel insurance for your trip, make sure that there are allowances for transport fees (ambulance) included. Your credit card will help get you in the door of a medical facility, and you will have to work with the travel insurance later. Pay as you go cards may not be accepted at Casualty rooms.

Travel Cards

I had a Travelex card which is a UK card. Coming from the US, I was told I could only purchase one currency. While in the UK and EU countries, there are cards that allow you multiple currencies on the card. Research this before you go as new card services are popping up, exchange rates will always accrue.

American Express is not accepted by most merchants, if any in the UK and Ireland.

Piece of Mind

There are no guarantees in travel. For the most part, if you have companions you can look out for one another. If you are the single traveler, you have to be even more prepared to be a target. Think about what you really need to do, and do you really need more money in cash. I didn’t want all my eggs in one basket. Even though the travel card was supposed to be the best option, I was concerned about if it got stolen, and considerations about tracking and stopping the old card going to get me refunded funds or were they truly lost. The company claimed it would refund me, but I had my doubts. So, when shopping for your travel cards, research well in advance and talk to them about all their policies. Look at their online interface and see if you think you will be able to access while abroad, or if they have an app for your smart phone. Research through articles and see which cards are performing the best, and in which countries. I found the online web interface really difficult to get to with Travelex. Their app was easy for daily monitoring and topping up.

Travel Insurance

This is a mixed bag, but  one you really should consider. While you travel within your state of residence, if you are an American, and don’t have single payer insurance like other countries (Canada, UK, EU Countries) just going out of state can be bad, you could possibly face huge expenses if while on that great trip to the Grand Canyon, you fall an break your arm, or worse, get in a car accident in the rental. Just image the expense overseas. While you can pick up insurance renting a car, it very rarely will cover whatever you manage to damage the car with, or yourself. If you are traveling abroad, when you leave domestic air or cross the border into Canada or Mexico, your insurance will not cover you. So, how do you find medical insurance that really travels with you? You will need to look at travel insurance before you go, and sometimes that is really not going to cover what you think it will cover. And read the fine print.

On this last trip I booked through and added on their comprehensive insurance. My main concerns were: Ambulance and Air Ambulance fees coverage, as flights like this start at $5k to get you to hospital and any other fees they will tack on. I was going through the highlands on tours and well, didn’t want to end up being pulled out of a ditch with no way to pay for it. What considerations must you make? How much to buy this type of insurance? My suggestion is, buy 2 insurance packages. Why? Well, just like your regular health insurance coverage, there are deductibles and such for your domestic regular coverage. You need to make sure that you are covered for something catastrophic. Most serious hospital stays and operations can add up to the price of a house, say up to $300k for hospital and and surgeries. Add on the fees for ambulance and any other transport or transfers fees, and you could become bankrupt.

It’s really frustrating to have to think of terrible things happening on vacation, but they do all of the time. It’s better to have the piece of mind. But what can you afford? The basic travel and flight insurance I got, covered flight cancellations, luggage loss, medical coverage, transport coverage. The cost was $60.00 for three weeks coverage. The amounts covered seemed to cover what fees might be for the services, and yes I had looked up random information on average out of pocket expenses in Europe for hospitals. In the EU there is some coverage for this, but their are always situations where if you are coming from Ireland and traveling to France, their are agreements for insurance coverage. And still there will be things not covered. But if you are not from the EU, it will all be out of pocket. Research what policies you should have to cover you if you are traveling to Australia, for example. I now believe I should have had two policies. I should have bought another policy as a back up for what was not covered in the one I got. Insurance companies will always try to not pay out on what it looks like they are covering, it’s part of the industry. Your situation is possibly going to be one they deny coverage on. So, having another plan from another carrier, and one that covers   accidental death is a must. You may have a life insurance policy, but that can even have snags that your loved ones don’t want to come up against. Bringing back a body from overseas is very expensive and customs makes it very difficult. You don’t need the huge fees on top of an already distressing situation for your family. Buying an additional policy may be another $60.00. It’s an expense that you will have to write off.

For more research and making this very important decision, check this review site out:



Hotel Safes

You can shop for accommodations that have a room safe. While you are looking for accommodations on a travel website, contact the accommodation and see if they have room safes. These usually rely on a code that you set yourself, however there are a few locking types which means you have another key to keep track of. In days of old when you traveled, you could rely on a main hotel safe for passports, etc. Try to avoid them. You have no guarantee that the employees won’t skim your funds or access your passport.

UK and EU Travel Cards Information and Articles

UK Residents



Check if you can have multiple currencies

Visa Prepaids from Visa Partners



Travel by Train, It Makes Sense

virginWhen traveling in another country, you may not have the luxury of taking a car and just going. Cars can be rented, but can be more costly in the UK and Europe to rent and run. Of course you can have fun driving on the left side of the road, or maybe find a place in Germany that rents American Muscle Cars and drive the Autobahn (always a bucket list item). Trouble is that renting a motorcar in the UK or Europe is very expensive and you may return from your trip with additional costs for a slight car ding ranging in the £€ 1,000.00 2,000.00 range. Yes, even if you buy insurance, there will be some additional costs, and petrol is very high in Europe. So often a train ride is a better option. And trains can be fun, especially if you can get on a historic one. Many of the train options are for diesel or electric and some are well cared for, and some are not. But you need to get where you are going, and travel bus is not for everyone.


Hogwarts Express – Scotland The Jacobite Express First Class £ 59.00 £ 35.00 standard return.

This iconic train is booked well in advance as you can imagine. I couldn’t get it for my dates. If you are a train lover, start planning your vacation around the trains and trips months in advance. This train encompasses the Glenfinnan viaduct, Arisaig, Mallaig, Fort William areas and is a great trip across the Highlands and on a clear day you can see many of the islands from the shores. Their’s full tea service as well, and you know how fun it is to take tea on a classic train.

If you want to see Hogwart’s locations, head to University of Glasgow, and Edinburgh’s streets.

The Flying Scotsman Site is very image intensive

To book, go to this site

This train recently started touring again and has been quite a hit. However there was a performance safety issue this last season and you need to check if it is running again on the site. It’s a classic good run on a restored train, so keep an  eye out while you make your tour plans this season to see if you can catch a ride.


Luckily, Scotrail was not on strike action this season, like it had been the summer before. The trains had showed it and I had been rerouted by bus at least once on that trip. This trip, 2017, was smooth sailing, except when I was stranded in Kyle of Lochalsh due to rocks falling on the tracks for 2 hours with a cancelled train. The rest of the trip, the trains ran on time for the most part and were cleaner than the previous year. Of course going through the Highlands is always breathtaking so it was worth the trip. Great conversations with fellow travelers.

Virgin Trains The Highland Chieftain

On my final rail around the Highlands for the 2017 tour, I got a real sweet deal on Virgin Trains for a first class in the quiet car at just a few pounds more than 2nd class. A bump of £ 4.00 per seat got me on a single side seat facing the Eastern Coast of Scotland down to Edinburgh. Very smooth ride and great scenery of Stirling and all places in between. It was a bittersweet farewell to the Highlands, but a really fabulous experience. If you time your ticket right, in the middle of the week and mid to late morning, the price is fair. The only problem was one car had no WiFi working or any of the charging ports for phones and people kept coming into our car. It wasn’t really a problem as it was half full and you get to meet more people that way. Wait, it was supposed to be a quiet car, right? But most were pretty good about it. A very good trip all round on that one.

Ireland € 16.00 -30.00

Irish Rail

Traveling in Ireland this summer I spent time on some very clean trains that kept good time. I was lucky on the two trips I had to make, plenty of room and easy storage for my cases, cars were clean and comfortable. I had booked a month in advance and got very good pricing. It was under € 20.00 to get to Galway and the return trip on to Belfast was under € 30.00. Considering the high cost of being in Dublin for 4 days, it was helpful on the budget to get the tickets in advance and pick up at the kiosks. Smooth rides on both trips.

The trip to Galway was filled with amazing green fields, passing through Athlone, the true countryside of Ireland. And there is a reason it’s called the Emerald Isle, it’s amazingly green even in the high summer. It was a record high temperature week when I was there, but the trains were comfortable and clean. Conversation was good, and trains always provide an opportunity to talk with local people about where they live and what is going on in their lives. And the Irish love to talk about their lives and where they live, and great deal about politics

But Can the Train Get Me to Where I Want to Go?

In some cases, you can take trains to some of the national parks in countries, or take a link ride with a bus. Sadly this will cut into some of your travel time and limit some places you can get to. If you have a car you can tour the Highlands for better access, get closer to a Munro for that great climb. However cars make you take on big responsibilities in other countries. Please take the time to familiarize yourself with the country’s driving laws and customs for driving country roads. Many tourists do not get the right of way on one lanes in Scotland and the rest of the UK much to the chagrin of locals. When in doubt, always err on the side of letting others pass. Then there are the smaller roads like coffin roads on some of the isles. You can get really lost on an island. In many cases, such as Isle of Skye, too many tourists are renting cars and not parking with care. Skye is boggy and loamy right off the road and if you get in the mire, the car will sink. Getting it pulled is very costly.

Walking and Hiking Tours

Really want to tour the countries and get to know them? Then walking tours and climbing in parks may be your best bet. Many of these can be accessed by public transport and many back packers go this route. It can take a bit longer to get somewhere, but is well worth it. Try joining some of the hiking and walking boards for the country you are visiting. You can check on the best climbs for a novice or find out about roadworks and diversions for trails. Most large cities like Dublin and Glasgow have rail to bus link services, it will take more time but it can be done.

Train Touring Companies

Irish Rail Strikes


Over the Sea to Skye, by Rail and Bridge

skye1Over the Sea to Skye, by way of train, taxi, and a bridge. I had reached the halfway point of my travels this season, and was dead tired. The end of the Bonnie Prince Charlie Trail. Months of gym training and still you get wiped out by the travel. It doesn’t help that the two places I stayed in Glasgow had terrible bed accommodations. Mostly it is that pure exhaustion of trying to get so much out of your travels, that another train journey has occurred and this is a long one, and your brain just seems fried. I am traveling to Inverness, then to Kyle of Lochalsh, a journey of about  6 hours, winding through the Highlands. There’s nothing better than winding through the Highlands, though, whether it’s car, bike, or train. But eventually I will be on the Isle of Skye, a destination I could not get near on my last adventure. The destination is so popular that you have to book months in advance for a place to stay.


I spent yesterday on a Rabbie’s Tour of Loch Ness and other Highland destinations, a round trip from Glasgow that encompassed a good 12 hours. It was an exhausting swing through of the area, but I had wanted to see some of the Highlands I could not see from the train ride. I was well rewarded. But the train rides are always fun, I found that this trip was just as rewarding with the views of rolling hills, then great Munros loom and you want to climb them. Realistically that will have to be the next trip, and another year of training at the gym and smaller mountains practice back home.


It was truly a Scottish summer arrival, with rain, sun, wind and more rain. But luckily the day of the trip was a good clear sun filled day. I regretted not bringing the sunscreen. The tour was with Skye Tours, and was a small group tour in a van. We travelled the route but missed a few key spots I had hoped to see, namely the castle and the Fairy Pools. There was some event going on there, a rather big one as a local funeral was taking place for an island native, and we could not get near. The tour covered some places on the island and had a knowledgeable driver. We did cover The Storr, Neist Point, Quiraing, the Cuilins Black and Red and a few other areas. I was not happy that we could not get to some of the sites, and sadly part of that had to do with a great deal of tourists using hire cars and not being prepared for the terrain of Skye and it’s boggy wet. Many a car was sunk in the muck.


All the bother aside, it was breathtaking to see some of the highest Munros in Scotland, walk around and just breath in the air of the magical island. I do recommend doing research and planning your visit well out, especially the accommodations. If I can make it back, I will be doing some training to do a hiking tour of the island instead, but must train and be with a group. I was told by locals that many people come and are not truly prepared and end up in great trouble with the bogs.


Book for your stay a year ahead. Or stay in Inverness and take a day tour. It is not suggested to do hire car, and with good reason. Sadly the island gets too many people with cars who don’t understand the driving rules or where not to park. Accommodations can be good or really bad. Really read your reviews on accommodations, once you are booked you are stuck with your decision.


Inverness; Touristination Place



Belfast Blast: 48 Hours in Belfast, Northern Ireland


Belfast is a historically diverse and eclectic city. It’s historically one of the biggest shipbuilding behemoths of Europe, home of the shipyards that built the Titanic, the most tragic and beautifully engineered ships of a bygone era. Belfast has had it’s political upheavals, but now is a blossoming, burgeoning city with a huge tourist industry. And food and entertainment to match. It’s hard to choose a place to eat or drink, there are so many choices.

My decision to visit this amazing gem on the north of the island of Ireland was influenced by history and great beauty, and a fangirl urge. I wanted to see where the Titanic was built and experience some of the natural wonders of Northern Ireland I had seen in books and in one of my favorite television productions, Game of Thrones®. So after my tempestuous visit to Galway, I headed to the northern country for a 48 hour period of history and a locations tour of the countryside where filming took place. What an adventure.

Titanic Museum and SS Nomadic

I got of the train and settled in quick. It was a clear, puffy clouded day with long daylight hours of summer. I had only 48 hours in this town and had to get in as much legwork and sites as I possibly could. I hopped a taxi to the Titanic Museum on the shipyard docks to check out this architectural wonder and museum exhibit center. The building alone is worth a tour and crowns the historical docs that have built many a sea faring vessel. Going through the exhibit halls in and interactive affair and when you get to the bottom level, you have a great treat with an exhibit that mimics the seafloor and you, standing on it. There are exhibits of rooms on the Titanic and narratives of passengers and people who worked on the monstrous ship that should never have  sunk. The engineering of the vessel was the most forward of it’s day, but it was not match for the iceberg it met. It’s a great museum for all ages and don’t forget to visit the SS Nomadic which is part of the tour. It’s a bit of a hike to the shipyards part of the exhibit, but worth it to see the drydocking works, the sheer size of the dock Titanic was housed in while building will amaze you and give you a sense of the size of the massive ship. Added bonus, you walk past the Titanic Studios where Game of Thrones is produced and filmed. If you are traveling this Fall, you may get lucky and see actors going in and out for final season.

highstreetThe Neighborhoods

All cities have neighborhoods, some great places and some not so good. Throw in some politics a traveler may not be aware of and you can get in some trouble. Belfast has come a ways from the Troubles, but remnants are still there. If you are touring around the city walking or in a cab, you will note neighborhoods and areas with flags of identity, with areas where religion and politics go hand in hand. You should always do some research about where you go, and not just the older history, for history is being made every day.

I had a great conversation with a Scotsman on the way back to Glasgow on the plane. He had just marched in one of the Summer Marches with this extended family and friends. Most of the convo was about spending time with family and friends and participating. Nothing to do with the politics. Belfast has changed  a lot in the last 30 years and will continue to do so. It’s filled with warm people and smiles, pride of place, and cultural growth. A place well worth visiting.

Everyone I met and everywhere I went I was met with kindness. But I didn’t ask questions and always waited for someone to bring up anything. However, since I am a big street art fan, and one of the things I was most keen on this tour was mural walks. I started on one in the city, then found I had better think about that a bit, as the murals are very extensive, politics and religion laden in this city. But what street art isn’t a commentary on the times? There are a huge amount of murals. There are political and community ones. If you plan on doing the while walk, plan for several hours. The neighborhoods where people are still very aligned with religion, staying with the UK, becoming independent, or unifying with Ireland are there. I toured the areas I could manage to get to in the short time I had and met with, briefly, a fiercely proud people going about their day or evening activities.

What I have to say is that I saw a lovely city with people living and thriving just like any other, and while the past will not be forgotten, I felt that people were truly just living in this great city. I would say that you just have to be mindful as in any city, that you are not living there, you are a visitor. Just love thy neighbor, even if they are yours for five minutes. The city has much beauty about it. I stayed near the Queen’s University, a great foodie area with a few guesthouses with easy access to transportation. A great walking area and that I did.


Game of Thrones® Tour

I have to admit that this particular tour was the one big blast that I absolutely had to have for my time in Ireland. Having been a fan of the series since day one, when I found out tours to various sites used in filming were being included in a tour, I had to book.

Using, I booked with the Irish Tour Tickets company for their Game of Thrones Tour with a guide, Adrian, who has been an extra on the series and knows in depth trivia and information about sites used. We went to several locations including Giant’s Causeway and Carrick-a-Rede bridge, two places I have wanted to see for many years. The tour was packed with fun, behind the scenes information and a great understanding of what it takes to get some of these sites ready for filming. Oh, and you better bone up on your GOT facts, because Adrian has a mean bus quiz for points on the last leg of the trip, with prizes. If you are an enthusiast and fan of the series, don’t miss this fun tour. Adrian has a lot of fun tidbits from BTS and will give you insight on what it is like to be an extra on such a big show.


Birthplace of a Shadow Assassin

Warning: as with all tours, you should dress for travel, but especially on this tour. Wear trainers or hiking boots, no dress shoes or sandals. This is a very physical, climbing around, adults only tour.

As part of this tour you will see the Dark Hedges, a long, spooky line of trees between fields. People have been coming to see the feature for years now, and the trees are sadly at the end of their life. Two trees came down in a storm recently and the wood was used to create a series of doors dedicated to the Game of Thrones series Westeros locations. You can download the maps to tour for Game of Thrones Doors and seek them out while you tour the north of Ireland.


The Dark Hedges

Reality check: Yes, many of the Northern Ireland Game of Thrones® locations, with a few exceptions, are really car parking areas during summer months. Tourism is so invasive that they are having to build and reconsider tourist attraction areas in the north. The spaces are built up for the shoot then cleaned up. Exception, there is one secret place we went by where there are guards that deny access year round. Winterfell perhaps?

Bring cash for other tours. Each tour usually has an additional attraction that is part of their route, and you will need to pay other fees.

On this tour you will see where scenes were filmed and two additional sites:


Giants Causeway

After the 10 hour tour, I was fatigued and dead hungry. I wandered downtown Belfast a bit and was concerned about getting to a kitchen that was still open, on Sundays sidewalks still roll up on the island, and pub and other kitchens will only be open so late. I found a great Japanese fusion restaurant called Zen, a huge cavernous place with great food. Filled up so much it was a hard walk back to the B&B.

The Game of Thrones® Doors story and self guided tour

A Peaceful Walk in Belfast — Leya



Scotland in a Day – Revelling in a Scottish Road Trip — Travels with a Kilt

The Best of Scotland in a Day Don’t let the title confuse you. This is not a post about an – absolutely impossible – attempt to experience this fabulous wee country in 24 hours. Rather, it’s about capturing Scotland’s broad appeal in one day. The assets that have made it one of the top destinations…

via Scotland in a Day – Revelling in a Scottish Road Trip — Travels with a Kilt