Definitely plan ahead and budget my spending for the trip. If not, I will be either running out of cash or overspending which cause me to have trouble for repaying debt on the next month. Usually, I convert locally then only fly.
Totally agree! I always make a good estimation before travel. If there's balance of cash, I will normally keep it as I know that I'll be traveling quite often and it might come in handy one day rather than change and exchange again at a money changer.