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Financial safety tips for people planning a vacation abroad

Here are some financial safety basics to keep in mind on your Hurtigruten voyage and any other trips you plan on taking.

During your Hurtigruten voyage, you'll see some of world's most breathtaking areas, from the renowned Norway fjords to the picturesque coastal villages. You will also be exposed to Scandinavian locals, who are known for being a kind and welcoming people. In fact, Norway, Iceland and other Scandinavian countries are consistently rated as some of the safest countries to travel to, where tourists can expect amazing hospitality. However, no matter how safe the countries to which you're traveling are, it's important to ensure you're considering your financial safety any time you're taking a trip abroad. Here are some financial safety basics to keep in mind on your Hurtigruten voyage and any other trips you plan on taking:

Notify your banks

Before leaving on any trip abroad, it's important to get in touch with your banks so that they don't flag any charges you make as suspicious. Get in touch with any banks whose credit or debit cards you can foresee yourself using while you're traveling. Remember that you'll be charged in the local currency (in Norway that means the Norwegian krone). Your bank or credit card company will also be able to confirm the exact exchange rate they're currently using when you make a purchase.

Clear out your wallet before leaving

It's not a good idea to bring every single identification document and credit card you have with you on a trip abroad. If your wallet were to get stolen, you'd lose everything - but you'd also be giving the thief more opportunities to steal both your money and your identity. On your trip, you should bring at least two credit or debit cards, your passport, another ID and insurance information. If you're planning on bring anything else that contains your social security number, you may want to make a copy of the document, block out the last four numbers of your social and bring the copy along instead.

Keep your cash safe

You'll be visiting several small and charming towns on your Norway cruise, which means that, unlike in big cities, many shops and restaurants may only accept cash. While it's not typically a good idea to carry a lot of cash around while traveling, you'll want to have at least some on hand for food, souvenirs and expeditions. Avoid keeping your cash or wallet in a back pocket or another spot that's easily accessible to pickpockets. Remember that because of the exchange rate, you'll likely have to carry a lot more Norwegian krone than you're used to carrying in your country's currency. If you have a lot more krone than you think you'll need, keep some of it in your cruise cabin with an extra credit card.

Opt for credit rather than debit

Credit cards are a better option for traveling than debit cards. That's because they aren't linked to your bank accounts, which means if your card number ever gets lifted after you swipe at an ATM or store, the thief won't have access to your money - just your credit. 

Keeping your money safe is all about staying vigilant - keep track of your cash and cards at all times.