Traveling Europe?
  Then check out these money and time saving safety tips.

Keep your Money & Valuables Safe in Europe Tips


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Europe is safe when it comes to violent crimes.  But it is very dangerous from a petty purse-snatching, bag grabbing, pickpocket point of view.  Thieves target Americans because most are loaded down with valuables and stand out in an international  tourist crowd.  They know Americans like to travel with "all their new good stuff" in their bags and wallets.  European tourists know to leave what you want to keep--at home and know what to watch for so they don't get "picked".

Thieves know the best places to "farm" tourists is where they gather and are possibly jet-lagged and distracted such as, in and out of train stations, on trains, parking lots, popular bus and subway routes, and outside popular sights--places you don't want to avoid.   If you're not prepared for this fact of life in Europe, you'll likely have something stolen.   

In the 20 years I've been traveling, I've never had anything stolen or had my room rifled or my car broken into.  I have had a half dozen direct attempts made on me and have been jostled allot on crowded buses and subways. The youngest thief I've come up against--around age 5--made a run-by grab for my day pack (which was sitting on the floor between me and our locker)  as my traveling companions and I were unloading our train locker in the  "safe-feeling-let your guard down" village of Arnheim.  I had stepped in side the pack shoulder strap circle--and only got my leg jerked and my adrenalin running full speed!  Another memorable attempt was made on 3 of us  jet lagged, bag toting women, all in a row on a London subway escalator.  Our clever thief tried to trip us up in a pile as the escalator reached our destination.  Fortunately my daughter (who was leading our pack)  and I caught the gist of his plan--I backed down the forward moving stairs and and she looked the bending thief in the eye and said toughly "Don't you Dare!"  He straightened up and quckly fled with his un-dropped newspaper still in his hand. That experience woke us up and inspired the article: Create an Easy Entry to Europe!  

Remember, nearly all crimes suffered by tourists are Non-violent and Avoidable.  Be aware of the pitfalls of traveling but relax and have fun.  Limit your vulnerability rather than your travels.  Most of the people you run into are on your side.  If you exercise adequate discretion, aren't overly trusting, and don't put yourself into risky situations, your travels should be about as dangerous as shopping in your hometown K-mart.  Don't travel afraid--Travel carefully.  

Here are steps you can take to decrease your chances of having a thief successfully accomplish his/her mission.

1.  WEAR A MONEY BELT.    Your Money Belt worn under your waist band is your key to peace of mind and safety of your fortune and passport.  I never travel without one.  A money belt is a small pouch that buckles around the waist under your pants or skirt.  You wear it completely hidden from sight, tucked in like a shirttail.  Our favorite is the ETBD's light weight, fast drying nylon-zippered money belt for $8 (see catalog) .  Many others add too much bulk.  

My money belt is my foundation garment that influences other clothing I take on my trip.  If bottoms don't fit over my filled money belt, they stay home. Since a Money Belt Only Works if I Keep It in My Pants, I don't want to be tempted to take it off and leave it in my room or day bag because the only clean pair of pants I have won't fit with it on!  In addition, All waist bands must have some elastic for easy  money belt access--for me only. For more detail re. dressing for safety, check out my article on selecting clothing to make your trip smoother .

Here are some moneybelt precautions.  Don't ever leave your money belt "hidden" on the beach  while you take a swim.  You are better off leaving it in your hotel room.   Hostelers should take their moneybelt with them to bed and to the shower.  In this latter case, bring a water tight ziplock and clothes pin so you can hang it from the shower head.  And if you are in hot Spain (ore somewhere else) in August and are tempted to take your sweaty moneybelt off and stash it in your purse or daybag. DON'T.  I have some clients who told me that their money belt with everything got picked out of their bag with out their knowledge  "......even with me clutching it to me all the time".  (Hhhmmmm, clutching along with fanny packs and camera bags seem to be a signal to the better pickpockets to pick)

2.  Pack Light with your Money Belt:   Packing light principles apply to your moneybelt as well as your suitcase.  Here is what I pack in my moneybelt:  

        PASSPORT: You are legally supposed to have it with you at all times.
        PLANE TICKETS:  Put essential pages in your moneybelt, non-essential pages in your suitcase.
        RAILPASSES/CAR VOUCHERS:  These are as valuable as cash.
        DRIVER'S LICENSE:  Useful as an ID  almost everywhere in Europe and necessary for car rentals.
        CREDIT CARDS:  Must have for car rentals, and of course great for purchases.
        ATM CARD:   A Visa debit card is by far the most reliable for ATMs (much cheaper than a Credit card cash advance)
        CASH:  Useful for small currency exchanges before you leave a country and for when you come home.
        PHONE CARD:  For calls back home. Don't use it to call within--Cheaper with local phone card.
        TRAVELERS CHECKS:   A Keep a few in your moneybelt along with up to date receipt log.  Keep the bulk of them in                 your suitcase--they are replaceable.
        PLASTIC SHEATH;   Moneybelts get slimy and sweaty and so do their contents if they aren't protected                 in a plastic container. I use a cut down 1 quart baggie.
        PRESCRIPTIONS;   Carry copies of necessary prescriptions here.
        ADDRESS LIST;   Printing small, make a list of every number of importance in your life.

3.  Reservation & Rail Pass Validation Vulnerability.    My worst moment is when I have to pull my railpass and passport out of my moneybelt in a busy train station--fuzzy brained from jet-lag--before I can use my pass.  Ideally we won't need our railpasses right away.  That means we can get some sleep, and return to the station after "rush hours" and  without our luggage to validate them and make any reservations we need.  When I have to do this in a train station I'm not familiar with, I take a walk through and find the reservation or validation window, and then check out where the closest WC is.  My traveling partners and I get very clear on how we are going to get out our important papers, validate the passes, and then get them back into our moneybelts,  My favorite way of handling these tasks is in a small village station where one window does it all and thieves don't stop. (see how to validate your railpass).   

4.  Operate with a half day's spending money in your pocket.  .    You won't need to get into your money belt for every little expense or toilet tariff.  Your money money belt is your deep storage--for select deposits and withdrawals.  I carry a coin purse that opens wide enough so everyone around me can see that I only have a few local bucks inside--even less when I make my purchase.  This includes the ticket seller who will give me a "thumbs down"  as a "pickpocket target" to who ever s/he is working with "out there".  Some men have told me they no longer carry wallets--but wear shirts with front zippered pockets where they carry their spending cash.  All their "wallet type things" are safely ticked in their money belts.  .  .  

5.  Credit Card Safety.   Although I can use my credit card to purchase seat reservations plus train and museum tickets, I DON'T  I pay cash for these or figure out how to Pre-Pay for them by credit card.  Ohhhhh, I hear all of you who planned to put everything on your credit card, groaning.  Fact of Life.  If you want your credit card at the end of your trip--KEEP IT IN YOUR MONEY BELT UNDER YOUR WAIST BAND AND ONLY BRING IT OUT IN "SAFE" ENVIRONMENTS. I generally use my credit card in restaurants, my hotel, local department and grocery stories, gas stations.  If I feel very safe, I'll pull out my money belt at the point of purchase, take out the credit card --pay,--and then tuck it all back into my skirt or pants.  If I don't feel so safe, I find the nearest toilet/WC and make my withdrawal and deposits in the privacy of a stall.  

Reporting a lost or stolen credit card from Europe can be a real challenge.  It took me 11 days and 3 countries before I found an english speaking waitress in a Paris Pizza Hut,  who creatively helped me get my lost card reported. Even Lafayette Department store's tourist center in Paris couldn't help me. To avoid this kind of stress, I now make photo copies of all my credit cards front and back  (where 1-800 reporting # is) and leave this copy with a friend/relative at home. Now should I loose a credit card, I can call my friend and ask her to report it for me.  (1 800 numbers don't work out of Europe) .

  more Europe Train/Rail Tips
        Train Station Services, Rail Pass, + Ticket Tips
        Riding the Rails: from getting schedules to luggage
        Frequently Asked Questions About Train Travel & RailPasses
        How to Choose Your Railpass & other Transportation in Europe
        Rail Pass Descriptions + Senior & Youth Deals
        GET TO Chunnel EuroStar Departure  Earlier than Recommended
        "Toilet Training in Europe"
        Europe Train Tips Index
        Readers Train Tips


        Rail Passes & Specials
    Timetable Links for Rail - Chunnel -  Bus -  Ferry
        Eurostar Chunnel Fares/Schedules
    Rail MAPS Country by Country
        Point to Point Tickets & Seat Reservations

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