Free Printable Currency & Tip Cheat Sheet — Travel Reference PDF
Fill rough exchange rates, tipping norms, and cash versus card notes for each stop on a multi-country trip.
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Tipping mistakes are expensive and awkward
Taxi apps may handle tips digitally, but cafés, guides, and housekeeping often still expect local norms. A one-page cheat sheet saves you from standing at a counter googling “is 10% rude here” with a line behind you.
Rough rate is for mental math — write the rate you actually use for snap decisions (e.g., “divide by five”) rather than six decimal places from a finance site.
Cash vs card matters where small shops post minimums or where ATMs charge flat fees — note which city needs pocket money before you leave the airport.