Smart travelers look and see which in-network ATMs their bank partners with. Those may be obvious as the ones in front of the grocery store, or at a local credit union. If you have a national bank, make note of where its ATMs are in the city you’re visiting. And if your bank is local, it will likely still have partner ATMs that don't charge fees.
Lock in low foreign transaction fees
Because you can't put a price on the joy on a small child's face, December can be an occasion for taking on new credit cards. Questionable financial responsibility aside, the applications are where you want to watch for foreign transaction fees, among others. Credit cards are generally considered a wise move when spending overseas since they give you the best exchange rate. But fees of 2% to 3% often negate any savings. Doesn't sound like much, but if you pay for hotels, meals, and "I Heart Paris" T-shirts with plastic, that can mean $100 or so you're flushing away. Or, like, 15 "I Heart Paris" T-shirts.
So look into cards that don't charge these fees long before you travel. Why, here's a list of a few good ones all ready to go. Even if you don't have international travel planned over the holidays, this time of year can help you avoid these fees in the future.