Since you won't get onto a plane without a picture I.D., you know you'll need that to travel anywhere. For travel outside the United States, you'll need a passport. Apply for one at your local Post Office, more than SIX MONTHS before you'll need it. You'll need a 'head' photo for the passport. I thought I'd try to be cheap one time and got it at one of the office supply & copy places. The Post Office rejected it because it was not exactly what they asked for. So now, I get the photo at the P.O.
Credit cards: it is suggested, and it makes perfect sense to me: only bring one major credit card, the one you've had the longest. Leave all other credit cards, all debit cards, and your checkbook at home. In case your cards are lost or stolen (heaven forbid!), no one can access your bank account. Before you leave home, call your credit card company, tell them where you're going and the dates you'll be leaving and returning.
It's a good idea to photocopy the cards you'll be bringing and leave one copy at home with a person you trust, and another copy with another person you'll be traveling with. Never leave the copy in your checked luggage.
Money belt: This is a must for foreign countries! There are two kinds; one actually will fit around your waist and the other will fit between your waist and ladies' bras. This really gives you peace-of-mind against pick-pockets in very crowded countries, airports, and train stations. After you pass through customs, you can put your passport in the money belt also. I've never had any problems using the above info.
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