More from The Penny Hoarder: Budgeting 101: How to Budget Money Feel free to create your holiday budget using your preferred method, whether it’s an Excel or Google Sheets spreadsheet, pen-and-paper ...

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Our opinions are our own. Most credit cards tack an extra charge on purchases made outside the U.S. If you're planning to travel abroad, you'll want a card without foreign transaction fees ...

For some travelers, paying an annual fee is worth it thanks to incentives like travel credits, bonus rewards, airport lounge access, free checked bags, priority boarding, hotel status and more.