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The Two Wallet Trick:
One kept in an inside secure pocket and another "ratty" one (that you don't mind losing) in an outside pocket. Keep all your most important valuables, passport, travel documents and credit cards/cash in a money belt or pouch, all located under your clothing or in a secure inside pocket. In the giveaway wallet carry a small amount of cash, so if it is taken it is not a great loss. It is easier in cold climates, where you can wear coats and jackets with inside zippered pockets. People usually ask me, what I do when I need to access more cash or a credit card. I have never been in a situation where I could not either find a place to discreetly get to my money belt, or at the very least grab my primary credit card from an inside secure pocket. Taking the time to plan for securing your valuables will pay off.

Safety First:
Never take fine jewelry or cash that you can not secure out of sight. You also do not need to travel with more than two credit cards and one cash card for taking advantage of a better exchange rate. If you are traveling in a really unsafe place you might even put a few expired credit cards in the giveaway wallet, to make it more believable. Credit cards are the way to go in most countries. Using cash will cost you, as the fees mount up for changing it into another currency. The most costly use of cash is to change it more than one time, as you travel from country to country. Plan Well, Travel Cheap, Smart and Safe.