Growing numbers of Britons spend a month or more of the winter in Thailand, trading grey skies for Chiang Mai cafes or quiet Gulf beaches. A longer stay changes the money maths, and it starts with the decision to buy Thai baht before departure from a commission-free provider such as Travel FX.
Over six or eight weeks, repeated ATM withdrawals rack up serious fixed fees. A larger initial float, stored securely, trims the running costs of the whole stay.
Apartment rent, scooter hire and cleaning are commonly settled in cash, and local landlords rarely take cards.
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