Your credit rating plays a crucial role in your financial life. Lenders use it to help decide if they'll give you a loan or credit, how much they’re willing to lend, and how much interest rate they’ll charge you.

If you’re looking into getting a mortgage, credit card, or loan, a good credit rating can make a significant difference in getting a good deal.

When you're away, whether you are ordering a meal or booking that excursion, you can be asked if you want to pay in pounds sterling or the local currency.

It can be tempting to accept the sum that is being offered to you in pounds (GBP), since it is the one that you are most familiar with. But you'll typically pay extra for it.

Here are a few ways to save money while you're away…

Whether you're applying for your first credit card or looking for a new one, there are hundreds of options available. Here are a few things to take into consideration to find the one that suits you best before applying.