Cash Still Rules in Southeast Asian Towns

Most Southeast Asian towns run on cash despite what travel blogs suggest; you'll find ATMs readily enough, but many small vendors, markets, and transport operators don't take cards, so you'll need local currency on hand. Exchange rates are generally better at ATMs than airports or money changers, though it's worth comparing a few options since margins vary. A realistic monthly budget for a single person sits around 15,000 baht (roughly 500 AUD) if you're living like locals and avoiding tourist areas; families should budget closer to 25,000 baht. Cards work fine in cities and larger establishments, but in smaller towns you'll find yourself visiting ATMs more often than you'd expect, so I'd suggest withdrawing amounts that cover a week or two rather than daily trips. Keep some cash separated from your main stash just in case; it's old advice but it works.