What's actually left to spend each day once the flights and the hotel are paid for — plus the fees nobody mentions until you're at the desk.
Flights and accommodation come out before anything else. What's left, divided by days, is the only number you'll actually use — and almost nobody works it out.
City tax at check-in, resort fees, the visa, transfers at both ends, the deposit. Each one small, all of them after the point where you could have chosen differently.
Being billed in your own currency abroad feels convenient. It's a poor exchange rate almost every time, and it's entirely avoidable.
Knowing you overspent doesn't undo it. The useful moment is before booking, when the trip can still change shape.