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4. ASK FOR A REFUND Many airlines will refund the difference in price if the fare drops after you purchase a ticket (minus a change fee). Yapta.com helps get you that refund by tracking the price of your ticket and sending you an e-mail or Tweet when the price drops so that you can call the airline to claim the credit. A new site, Autoslash.com, offers a similar service for car rentals.

5. AVOID ROAMING CHARGES Skype and Truphone offer free apps for making cheap international calls using Wi-Fi, with rates that start at pennies per minute. You can pay as you go or sign up for monthly plans to make unlimited calls in certain countries for a flat fee: $13.99 a month for Skype calls to land lines and mobile phones in more than 40 countries, or $12.95 a month for Tru calls in 38 countries with TruUnlimited. Another option: Travel sim which Greatly reduce the cost of using your mobile phone or tablet overseas. with a Travel SIM international roaming, you can get  extremely cheap call rates for all countries.

6. CHANGE YOUR CREDIT CARD Most Nigerian banks charge currency conversion fees, typically up to 3 percent when you use your credit or debit card outside the Nigeria. Most Cards also has maximum transaction limit. But there are some exceptions. Skye Bank, Zenith and GTbank USD Prepard cards does not charge foreign transaction fees.

7. WAIT A WEEK Avoid the crowds and save by traveling the week after a major holiday. A five-night ski vacation in Breckenridge, Colo., during the last week of December was priced at $1,988 a person, including airfare from Chicago, at Orbitz.com. For the following week, the same trip was listed at $1,037 a person. Similarly, a vacation including airfare from New York and five nights at the Walt Disney World Dolphin Resort dropped from $821 to $580.

8. NEGOTIATE Though many hotels say that they offer their best rates online, it pays to ask the front desk for a lower rate. My colleague Seth regularly uses this tactic, as he pointed out in a column last summer: “I arrive with a solid reservation but then check out five or six other hotels and go back and forth between them in an attempt to set off a price war.” The strategy saved him $20 a night in León, Nicaragua. I have had similar success over the phone with reservation agents at New York hotels like the Ritz-Carlton New York and 60 Thompson.

9. TRAVEL LIKE A STUDENT Student travel agencies like STA Travel, StudentCity and StudentUniverse have begun to extend their low prices to nonstudents and older travelers. While some of the deepest discounts are offered only to travelers enrolled in an academic program, recent college graduates can often save 10 to 25 percent with “youth fares.” For example, a recent search for flights in March on STATravel.com, which limits certain deals to nonstudents under the age of 26, turned up seats for $926 round trip on V Australia Airlines. The best rates for the same dates on Kayak.com were $1,187. Though it is not common for older travelers to use student travel agencies, it is possible to do so. There were no age restrictions for a discounted four-day Inca Trail trek with STA Travel for $674 a person, down from $899.

10. DON’T PAY TO CHECK A BAG Checking bags can quickly add up, with airlines charging between $15 and $35 a bag. Delta’s SkyMiles-branded American Express card allows you and up to eight others on the same reservation to each check a bag at no cost. And American Express introduced a travel-rewards card — the Blue Sky Preferred Credit Card — that offers travelers an annual $100 allowance to cover checked baggage, in-flight meals, entertainment or Wi-Fi purchases, and other fees, on any airline.

Credit nytimes.com

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