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Frommer's lists exact prices in the local currency. However, rates fluctuate, so before departing consult a currency exchange website such as www.oanda.com/convert/classic to check up-to-the-minute rates.

The easiest way to pay for almost everything in South Florida is with a credit card. MasterCard and Visa credit and debit cards are accepted almost everywhere. American Express, Diners Club, and Discover cards are also accepted, although not as widely as MasterCard and Visa.

The best way to get cash while you're traveling in South Florida is to use your debit or credit cards at ATMs. Of the big national banks, First Union Bank and Bank of America have offices with ATMs throughout Florida.

How much money you spend on a Florida vacation will depend on your own desires and choices, when you go, and most definitely where you go. The state has a wide range of accommodations, from some of the country's most luxurious and expensive beachfront resorts to no-frills but friendly mom-and-pop motels sitting right by the beach. If you can do without the luxuries, you needn't spend a fortune.

Tourism is Florida's biggest industry, and the economic law of supply and demand dictates that the prices of hotel rooms are highest during the seasons when tourists invade Florida: the winter months in the southern half of the state, the summer months up north.

Beware of hidden credit-card fees while traveling. Check with your credit or debit card issuer to see what fees, if any, will be charged for overseas transactions. Recent reform legislation in the U.S., for example, has curbed some exploitative lending practices. But many banks have responded by increasing fees in other areas, including fees for customers who use credit and debit cards while out of the country -- even if those charges were made in U.S. dollars. Fees can amount to 3% or more of the purchase price. Check with your bank before departing to avoid any surprise charges on your statement.

Note: This information was accurate when it was published, but can change without notice. Please be sure to confirm all rates and details directly with the companies in question before planning your trip.