I know I’ve been haranguing you to get with the Yapta, but it bears repeating with a sweet little money-saving moment I just had.

I saved $40 on a one-way. Is it a fortune? No, but it feels like a win when you know that so often it’s the airlines taking the wins. And if you do it roundtrip, we're talking real $$.

Nearly 3 weeks ago, I priced a one-way from San Francisco back to NYC in October. I didn’t like the pricing and I knew what I thought it should be. I figured it was a good bet that prices wouldn’t shoot up even in August, two months out. I had the time to practice patience.

So I used my beloved Yapta to start tracking and whaddya know, my fare finally dropped. Since I’d set my Yapta for alerts of any drop over $10, I got an email immediately.

The ticket was bought on my phone, sitting at bar in the East Village, with a drink in my other hand.

For those of you with families, these savings could really add up. For the rest of you, just, why not?

The caveat still stands: Yapta’s site is the absolute worst user experience: get ready to be confused about where to click when you land on the homepage. But it’s worth it. (In its current hideous design, click: Personal Travel>Flights>Sign In (or Join). Someday they’ll call me to direct a redesign.

Happy savings, friends.

Oh, and a reminder to you U.S. people: Monday October 12 is the Columbus Day holiday. See Rule #1 if you don't know what I'm getting at.

If any of you have trips around Europe coming up soon (and why wouldn't you?), you should beware of the new ATM situation.

Looks like many airports have cut a bad deal for travelers by replacing regular bank ATMs with ATMs by "Travelex" or the like, who post "no fees" but offer extortionately bad exchange rates.

Used to be, you could fly into any country in Europe and plan to pull cash at the airport ATMs, run by local banks. You'd get hit with about 3% in charges. With these Travelex-type ATMs, you'll get hit with about 10%. Bad deal.

For travel arriving at the following airports, you would be wise to scrounge up any old currency you have from previous trips, so you can get out of the airport and wait to exchange money at a regular bank ATM:

London/Gatwick

Amsterdam/Schipol

Copenhagen/Kastrup

London/Heathrow

Madrid/Barajas

Milan/Malpensa

Paris/Charles De Gaulle

Rome/Fiumincino

Zurich

The taxis and airport trains of many cities let you use your credit card to pay, which makes it even easier to wait until you get into town to withdraw money.

This story is via smartertravel.com and you can read the full story here.