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Yes it's really tricky sometimes. Personally just having the cash you need when you need it is best. However conserving that cash is harder than people think. Being an American adds more issues because banks don't want to deal with American regulations.

Regulations are changing all the time with banking fraternity, when we toured in late '70 banks issued you with travel packs with small amount of money for each destination.

Learned later when travelling now disallowed, not only that, they will never accept coins, you only have 30 days to return notes after date of return.