Essential Tips for Protecting Money and Valuables during Travel

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Traveling is one of the best ways to break away from our routines and step into a world of new adventures, relaxation, and meaningful connections.

Whether it’s a family getaway, a girls’ trip, or even a business trip, we must ensure we’re traveling smart and staying safe.

Thankfully, in all my years of traveling, I’ve never experienced anything serious (knock on wood), and most travelers won’t encounter more than minor issues like pick-pocketing.

But that doesn’t mean we shouldn’t take precautions. I always keep certain safety practices at the top of my mind, and I encourage you to do the same.

If you’re planning your next getaway and wondering how to stay safe while exploring the world, I’ve got you covered with 15 practical travel safety tips.

Think of this as your go-to guide for traveling smart and protecting yourself.

Also, don’t forget to check out my recommendations on the safest destinations in Mexico to visit right now and a trip preparation checklist that’ll help you feel ready for anything. Let’s make sure every trip is as safe and enjoyable as possible!

Let’s dive into how we, as Black women over 40, can have smooth and enjoyable trips while prioritizing safety.

1. Do your research

Get to know your destination in depth before you arrive. Read traveler reviews and consult with locals for information about the safest neighborhoods, places to stay and incidences of crime.

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Check the State Department’s website for country updates and enroll in the Smart Traveler Enrollment Program (STEP).

Another important travel security precaution is to know whom to call in an emergency. Get the contact information for the nearest embassy or consulate, police station, and other local emergency departments.

2. Don’t draw attention

People who look like they’re from out of town are especially vulnerable to crime, so try to blend in as much as you can.

Choose inconspicuous clothing that won’t attract attention. Be discreet when looking at maps and approach people carefully if you need to ask for directions.

Also consider investing in protective clothing and gear that will make it more difficult for pickpockets to steal money and other personal items.

3. Make copies of important documents

You never know when you might need a copy of your passport, driver’s license or another form of identification. Scan these documents to save online and print out several hard copies.

That way, you won’t be scrambling to find proper documentation if you need to get home.

4. Keep your friends and family updated

No matter whether you’re going on an overnight jaunt or a month-long international journey, it’s always a good idea to let friends or family back home know.

Before you leave, send a copy of your itinerary to a few trusted people who can keep tabs on your whereabouts. Check in regularly with your contacts so they know you’re where you’re supposed to be.

5. Be wary of public Wi-Fi

Don’t let the convenience of Internet access cloud your judgment. When you use public Wi-Fi, hackers looking to steal valuable information can access your data including credit card or Social Security numbers.

If you do need wireless Internet service, set up a virtual private network (VPN) that will allow you to access the Internet securely while traveling.

6. Safeguard your hotel room

Even if your hotel has strong security measures in place, there are steps you can take to make your room safer. Lock and dead-bolt the door and keep your windows shut.

You can buy a jammer, which is a portable device that slips under the door for another layer of protection.

Try to give the impression that you’re in your room even when you’re away, such as placing the Do Not Disturb sign on the outside of your door and keeping the blinds or windows closed.

Don’t let strangers into your room, even if they say they work for the hotel. You can always call the front desk to check whether hotel staff ordered someone to come to your room.

7. Be aware of your surroundings

Don’t let your guard down to snap the perfect picture for your social media platforms. Keep an eye on your personal belongings at all times and use good judgment when talking to strangers.

A big part of the joy of traveling is the opportunities it affords to meet new people and learn about their cultures. But if someone near you is acting suspiciously, or if you feel uncomfortable, leave the area immediately.

8. Carry Only the Essentials.

It may be common sense, but it’s worth mentioning—be sure to carry only the essentials with you when you travel. Usually, that means carrying only a credit card, ATM card, an ID, and some cash (though needs will vary by country, of course).

This will make it much easier to store those valuables that you do need to protect, and it simply reduces the number of things that could potentially be stolen.

9. Only Use Credit Cards

When possible, it’s best to use a credit card when traveling abroad.

The reason? Credit cards are more likely to have zero-liability policies, meaning you are not liable for purchases made when your card is lost or stolen.

Just be sure to keep the contact information for your credit card company on hand in case of an emergency.

Also, be aware of foreign transaction fees because most credit card providers charge a fee of 2% to 3% to convert the currency.

I personally use the Delta American Express card which also allows me to accumulate travel points.

10. Write Down Your Account Numbers 

Let’s say you didn’t take any of my advice and your credit cards were stolen. You need to report the stolen cards ASAP.

The sooner the better! 

How can you report your cards stolen if you have had the account numbers or the customer service number in order to report them stolen?

I suggest writing the number down multiple times and place them in different places and I also suggest taking a photo of the front and back of each card you are traveling with.

Once you arrive at your destination, you might place a copy in the hotel safe, leave a copy folded in a piece of clothing, or give a copy to a friend.

11. Divide your money up

Here’s an easy tip that could prove invaluable in case of an emergency—divide your money up and store it in different places on your person.

This helps prevent a thief from wiping you out completely, and it gives you something to fall back on in case something does get stolen.

12. Places to Hide Money

Many different wearable storage pieces are available on the market today.

Find one that works for you and use it every time you’re out and about (and possibly even when you’re sleeping, if necessary).

Below are some examples of wearable storage:

• Neck pouches
• Money belts
• Bra stashes
• Underwear with built-in pockets
• Undershirts with built-in pockets

Just keep in mind here that it’s still best to divide your money up, even if you’re sporting wearable storage. Reaching under your shirt or to your waist to pay for something is still advertising where you are keeping your money!

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13. Consider a Portable Vault

Did you know that there is such a thing as a safe that you can take with you when you travel? Portable vaults (like this one) make it possible to protect money, travel documents, electronics, handguns, and more when traveling abroad.

Many are compact enough to fit inside even a briefcase or backpack.

So, if you’re someone who tends to rely on the built-in safes in hotel rooms, a portable vault is a good option to consider and a great place to hide money.

14. Avoid Risky Situations

The world can be dangerous and chaotic, so it’s always best to play it on the safe side when abroad.

This applies not only to protecting money and valuables but also to protecting yourself, your legal status, your health, and more.

In terms of protecting your money and valuables when abroad, it’s important to be able to identify risky situations as they arise.

Here are some examples of common tourist scams that will put your valuables in danger of getting stolen:

• You spot a wallet lying on the ground. Because people have a tendency to check where their own wallet is when they spot one lying on the ground, swindlers often leave wallets out in public places to see where tourists are keeping their own wallets. Then, stealing the wallet is as simple as reaching into a back pocket or handbag.
• Someone spills something on your jacket. A stranger might bump into you and “accidentally” spill something on your jacket and then offer to clean it. This stranger, however, may very well be a thief who is looking for an opportunity to go through your pockets.
• A street vendor offers to make you a bracelet. A street vendor might approach you and offer to make you a bracelet, taking your wrist and making the bracelet on you. The vendor might then pressure you for payment, or he or she might be acting as a distraction while pickpockets try to steal your wallet.
• A woman throws her baby at you. It sounds crazy, but it’s a tactic that swindlers use to distract you—especially in Rome. A woman throws a “baby” (usually a doll) into your arms, and while you are distracted catching the baby, her accomplices go through your pockets or bag.
• You join a crowd watching a street performer. Sometimes street performers are working in cahoots with thieves who are dressed as tourists. The street performer distracts you while the thieves slyly go through your pockets or bag.

15. Do Not Go To an ATM Machine Alone

ATMs that are secluded or are not visible from the street make you a prime candidate for robbery so I suggest using ATMs that are located in the lobby of your hotel.  

If you have rented a car the safest thing to do is use the drive-up ATM.

Keep your engine running and lock your doors, and remember always to have another person with you when withdrawing money from the ATM. 

15. Do Not Wear Valuable Jewelry When Traveling

Store your jewelry and passports in the hotel safe. Never leave your jewelry in your hotel room, even inside your luggage.

Conceal, don’t reveal. Especially if you’re in a more dangerous or unknown area, take steps to conceal any expensive jewelry from strangers.

Also, don’t advertise the presence of expensive jewelry by sharing it on social media. There’s no need to make yourself a target.

If possible, just leave your expensive jewelry at home.  

Trust Your Instincts and Streetsmarts

When you’re traveling alone, it’s crucial to stay cautious and read situations in an instant. If something feels off, walk away from that place or person immediately. 

When you travel solo, you and your needs are all that matter so always trust your gut.

You’ve every right to change hotels, get out of a cab, fly to a different city, or walk away from someone or someplace if you feel like something is off.

Avoid walking with your head buried in your phone, as this is a green light for criminals regardless of destination.

High-tech devices not only appeal to petty thieves but also draw attention to your traveler status. Foreign women, especially, are perceived as easy targets. Keep your phone and cash out of sight.

Always carry a photocopy of your identification with you at all times in case the police stop you. Keep the real deal locked up in a safe back at your hotel.

Let your bank know when you are traveling so they don’t cut off your funds, and keep an eye on your account when you return for any suspicious activity.

Avoid carrying around a lot of cash, withdrawing small amounts of pesos from ATMs, and withdrawing money at night.

Below are a few safety precautions no matter the destination:

• Be aware of your surroundings
• Don’t open your room door unless you know/trust the person
• Under no circumstances disclose where you are staying to a stranger
• If you are invited to a party/event, always imply that you will bring someone along and let a friend, or even the receptionist at your accommodation, know your whereabouts. If it doesn’t feel right, don’t go
• Avoid traveling at night or wandering around in poorly lit areas and beach locations.
• If you’re traveling alone and aren’t confident exploring a place, join a tour. Aside from the safety aspect, it’s a great way to meet fellow travelers.

Research the neighborhood you are staying in, and ask the locals where the no-go areas are.

As much as the cheap places per night are great for your bank account, make security your priority when choosing your accommodation.

Conclusion of How To Keep Your Money Safe on Vacation

How you carry yourself and your money on vacation will determine if you will be at risk for criminal activity. 

Thieves look for tourists who will let their guards down, and they are ready to sweep in and rob you of your cash, credit cards, and electronics.

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ADDITIONAL ARTICLES FOR SAFETY

Is Cancun Safe for Spring Break?

Is Italy Safe? Travel Warning You Should Know

How Safe is Los Cabo, Mexico

What are some places to hide money while on vacation? I am constantly updating articles and I would love to hear your thoughts on how to stay safe while traveling so leave me a comment on Facebook, Threads, or Instagram.

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