You don’t want to have financial problems when you finally go on vacation. You want to have a great time away from home! To make sure that your trip goes smoothly, you should follow these financial tips.

1. Check for Credit Card Protections

Your credit card could offer certain protections that will come in handy when you travel. For instance, your card could provide travel insurance when you use it to book your airline tickets. Travel insurance can offer coverage for expensive mishaps like delayed flights, canceled flights, and lost luggage. Using a card with this feature means that you don’t have to purchase a private travel insurance policy.

Check your card’s policy to see what protections you can take advantage of during your upcoming trip.

2. Save for Emergencies

You never know when something will go wrong during your vacation. Maybe you’ll lose your smartphone, and you’ll need to get a cheap replacement as soon as possible, or maybe you’ll twist your ankle on a hiking excursion, and you’ll need to go to the hospital for treatment. You don’t want to be caught by surprise with an urgent expense in an unfamiliar place.

So, how can you prepare for this? Before you go on your trip, try to set aside some emergency savings for these types of situations. If disaster strikes, you can dip into your emergency fund to cover the expense right away.

An emergency fund doesn’t have to be your only solution. If you don’t have enough savings, you could use your credit card to cover an urgent expense. Or you could apply for a personal loan to tackle the problem.

In the case that you apply for an online loan, search for options available in your state of residence. So, if you live in Arkansas, you will need to apply for a personal loan in Arkansas to respond to your emergency. Not every loan will be accessible to Arkansas. You have to check before you fill out your application.

3. Bring the Right Credit Cards Abroad

Credit cards are, for the most part, universally accepted. You’ll likely get the chance to use your card to purchase items abroad, especially at tourist-heavy locations. Some types of credit cards are more widely accepted than others — VISA and Mastercard tend to be safe picks over cards like American Express and Discover. Do some research to see whether the credit cards sitting in your wallet will be accepted by merchants in your travel destination or not.

4. Contact Your Bank

You should always inform your bank and your credit card companies whenever you’re traveling abroad. This will stop them from flagging transactions that you make in different countries and currencies as suspicious.

Without informing them, they could decline transactions or freeze your accounts on suspicion of identity theft, leaving you with no access to your funds or credit. This could destroy your entire vacation.

These simple financial tips will help you avoid any stressful problems while you’re on vacation. Follow them so that you can really enjoy yourself.