I am certainly not an expert, but here are a few things I learned along the way.

1. Be prepared. Read about your intended destination's climate and local customs. Learn a few key phrases in the local language. Carry extra copies of your passport, itinerary or other important documents in your luggage. Trust the travel experts and other experienced travelers by browsing the graffiti wall or travel tips pages on the Rick Steves website before you travel. If you plan on taking a Rick Steves tour, be sure to check out the tour feedback to hear what others thought of the tour you want to take.

2. Buy travel insurance. Thankfully, I didn't have to use mine, but I traveled with fewer worries knowing it was there if I needed it. For detailed information, visit insuremytrip.com to view different policy options and to buy coverage.

3. Choose your tour wisely. For several years I wanted to take a Rick Steves tour. However, before signing up, I began doubting myself and checked out several competing tour companies. I wanted to spend my money wisely since I tend to be a bargain shopper. After much review, I determined that Rick's tour was the best bet for my money. I really appreciated the up-front pricing--what you see is what you get. Other tour companies listed prices that didn't include all of the "optional" tours. Quality was also important to me. All of the tour feedback on ricksteves.com assured me that I would be getting a great tour. I don't regret my decision. In fact, I encourage others to make a similar choice!

4. Pack lightly. I love clothes. And shoes. But not on this trip. I limited myself to a tiny suitcase and a backpack. I brought only two pairs of very sensible shoes and a limited amount of clothing that I washed along the way. Guess what? I loved the freedom of packing light. I was able to carry all of my items up stairs without much difficulty. Try it. By the third flight of stairs, I guarantee you will not miss all of your extra "stuff."

5. Wear a money belt. Feel confident on the metro and while you are otherwise engaged, gawking at all the sights--if your day bag is stolen, you will still have your passport, credit cards and most of your cash.