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Every year, I get address labels from numerous charitable organizations. I keep them with me when traveling because it's the quickest way to provide my address to new friends, enter prize drawings at shops, sign guest books, etc. It's not only efficient; it can also help spread the word about worthwhile charities.

Though they're often the best deals around, don't assume that packaged vacations always offer the biggest bang for your buck. My wife and I were ready to book an air/hotel package to Maui when we noticed a sale on Aloha Airlines ($280 round trip from Oakland). I added up the total cost of the trip if purchased separately and saved $400 over comparable packages from various tour operators. We used the extra money to stay in a nicer hotel and to rent a convertible!

Batteries for cameras, laptops, cell phones, and other devices can be charged at night in your hotel room. But if you're doing a lot of driving, you might want to buy an inverter to charge them while on the road. Inverters (which plug into the car's cigarette lighter) are small, inexpensive, and can be purchased at auto-supply, variety, or electronics stores.

If you go directly from the air-conditioned ship out onto the open-air deck (which is usually warmer and more humid in most cruise destinations), your camera's lens is likely to fog up. Warm the camera with your cabin's hairdryer on a low setting or briefly leave it out on your balcony so it can acclimate to the weather.

Grab-rails and nonskid surfaces aren't common in European bathtubs and showers. I pack a few decorative rubber pads that have non-adhesive suction cups, so I can use them when needed to prevent a slip or fall, and then I take them with me to the next hotel.

When you travel to a beach destination, bring your own snorkel gear. We bought snorkels, masks, and fins at home for half-off (at an end-of-summer sale) before a trip to Hawaii. They didn't take up much room in our luggage, and we would have spent as much or more renting the equipment.

If I plan to travel to several countries that use different currencies, I pack a few cloth change purses: U.S. dollars go into one, British pounds in another, euros in a third, etc. When I'm sightseeing, I carry only the money I need; the purses that I'm not using are locked away in the hotel safe. I avoid fumbling around in shops and mixing up coins that look alike. Plus,I always know exactly how much cash I have.

Consider asking your driver or tour guide to haggle on your behalf at bazaars and souks. (But don't let them lead you to places where they might have a connection to the shopkeeper.) The money you tip them will usually be less than the markup on prices for tourists.

If you're headed to a country that requires a visa, ask the consulate of that country, in the United States, whether visas are also issued at the airport there on arrival. In many cases (like Turkey and Egypt), they are. Obtaining the visa on arrival is a much simpler procedure and a real money-saver: You do not have to have photographs taken (they figure your passport already has a photo), you do not pay a hefty fee to the U.S.-situated consulate of the country, you avoid the expense and risk of mailing your passport to that consulate in advance of departure, and you avoid the expense of using a visa-acquiring company in the United States. But be sure the consulate is correct that the visa can easily be obtained on arrival.

The magnets you use on a refrigerator will also stick well to most hotel and motel room doors, turning them into makeshift bulletin boards. Post theater tickets, itineraries, reminder notes, and any other useful information, then grab what you need before you leave the room for the day.

Restrooms abroad rarely have hooks on stall doors. Our solution: Pack a small S hook in your shoulder bag and make use of a hole in the wall, a pipe, etc., to hang purses, jackets, or anything else you want to keep off the floor. S hooks can be found in most hardware stores, near the screws and bolts.

We rented a car last summer to tour northern Italy. Initially, we contacted Europcar (europcar.com) and got a quote of more than $500. We then clicked on a rental-car link from Best Fares (bestfares.com) and received an offer that knocked off about $50. When we mentioned to Europcar that we'd seen lower offers on the Web, they told us that if we sent them the URL and they could verify the offer, they'd match it. We eventually found a car that was an additional $100 cheaper from a British company. Europcar-which offered better service for our itinerary-accepted that lower price, saving us $150.

Use the shoeshine mitt often found in hotel bath- rooms to store your sunglasses. They fit nicely inside the pouch, and when you take them out, you have a soft material to clean them with. For extra protection while traveling, I store my sunglasses inside the shoe-shine mitt, fold the end closed, and then place it in my glasses case.

I've discovered a wonderful way to enjoy massages at a fraction of the usual cost. Some massage-training schools provide superb service in a spa-type environment. Do a Google search to see if there are training programs near your next vacation destination.

If you wait to buy a discount-granting Entertainment Book until around six months before it expires (expiration is usually scheduled for November), you can often buy a $20 to $47 book for as little as $10, plus $5 shipping. Online access to the coupons is sold for $7 a month. These are great for vacations out of town.

Put an address label on your one-time-use camera. At a Final Four game in Indianapolis, we exchanged identical Kodak Fun Savers with another traveler so that we could take souvenir photos of each other with our respective cameras. But afterward, we couldn't tell whose camera was whose. Luckily, I remembered how many exposures remained on mine, so we got ours back. Next time, I'll just label it.

When traveling with my kids, I bring a Ziploc bag that includes four things: Benadryl, children's ibuprofen, one of those little medicine cups, and a thermometer. This all-purpose kit will help with minor ailments, or treat a more serious flu until you can get to a doctor. Best of all, it saves Dad from driving around at 2 a.m. looking for an all-night pharmacy.

When my husband and I travel with our children, our luggage is weighed down by diapers, formula, and other necessities. To save space and hassle, we now ship ahead most of those items to our hotel. We also came across a Web site called babiestravellite.com, where we can order supplies and have them shipped anywhere in the world.

For long overnight flights, pack a dry washcloth in a Ziploc bag in your carry-on. Before landing, ask the flight attendant for a cup of hot (not boiling) water. Carefully pour the water into the Ziploc bag and then wipe your face and hands with the steaming cloth. It's like a portable sauna!

If you can't sleep due to the heat in your non-air-conditioned hotel room, take a cold bottle of water and place it on your pillow, in the crook of your neck. It will cool your whole body down.

For overnight flights, pack a few Oral B Brush-Ups in your carry-on. Before the plane lands, you can "brush" your teeth, leaving you refreshed and ready for the day!

Before you buy expensive bottled water from your hotel room minibar, head to the fitness center. You'll be able to fill up an empty bottle at the gym's water cooler or fountain for free, and you don't need to break a sweat.

If you book a package over the Internet, print out all the details of what's included and take it with you. When a hotel desk clerk in Paris said that the breakfast buffet we had enjoyed for the previous seven mornings was not included in our package, I was able to show him the printouts and prove him wrong. He apologized profusely and wiped the breakfast charges from our bill.

Pack a couple of mountaineering carabiners. Clip one through the handle or strap of your bag and secure it to something solid wherever you may be (to a bench in the park or in a train station, to the railing of an overhead compartment on a bus, etc.).The carabiner adds a bit of security, especially if you're snoozing.

When on vacation, I split my cash into envelopes, one per day, so I can keep track of how much I'm spending. If I need to dig into the next day's cash, I'll know that I've overdone it, and if I want to stay on budget, I'll have to cut back the next day. Any money left at the end of the day goes into a separate envelope. I've actually come home with money this way!

When you're shopping for alcohol on any Caribbean island, ask if there's a Kmart nearby. Often the dis- counter is a short distance from the docks where the cruise ships tie up and has an extensive selection at prices lower than the liquor stores on the main drag. While you're there, pick up that extra roll of film or the sunscreen you forgot.

When my husband and I visit places like India or Thailand, we pack only one extra change of clothes. When we arrive, we hit a local market and buy local attire--woven shirts, saris, sarongs, etc. Not only does this make packing easier, but we get a better cultural experience and end up with lots of wearable souvenirs!

My husband and I create personal cards (like business cards) before we leave home. We put our name, address, phone, and email address on them, as well as a picture of us. How many people have gotten home from a trip, looked at a slip of paper with a name and address, and wondered, Who is this? The picture helps link a name to a face.

Some people think that traveler's checks aren't necessary anymore, but they really can be useful in a variety of situations. My ATM card wouldn't work on Easter Island, where most restaurants did not accept credit cards and wanted to be paid in pesos. Luckily, our hotel cashed my traveler's checks and gave me the pesos I needed. On Dominica, my purse was stolen. But because I had traveler's checks stashed away in my luggage, the vacation wasn't ruined. I always travel with what I call the "trusty four": American dollars (lots of ones and fives divided up and hidden in several locations), traveler's checks, an ATM card, and a credit card.

When traveling in the developing world, I always bring several packets of stickers to give to children. They're wonderful icebreakers.