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Every one of the travel mistakes below comes from personal experience. Some of them are minor annoyances while others can have long-term consequences that will haunt you long after your vacation is over. Read on to avoid these 10 common travel mistakes:

Not packing an extra outfit in your carry-on luggage
Wearing a scarf, a winter sweater, leggings and boots on the plane makes sense when your flight leaves from a cold destination in the middle of winter. You don’t want to get stuck wearing this same outfit in 95-degree weather with almost 100% humidity. On a recent trip to Colombia, my bag was delayed in Atlanta and I received it two and a half days later. I had to spend my first vacation day shopping for warm weather clothing and basic toiletries. Pack at least one outfit and your most essential toiletries in your carry on in case your luggage is lost or delayed.

Not buying travel insurance
I always buy travel insurance and thankfully, I’ve only had to use it once. When my luggage was delayed for two and a half days, I needed to purchase some lighter clothing, a swimsuit and some toiletries. I was able to get reimbursed for these items thanks to my insurance policy through Travelguard. Travel insurance generally covers emergency evacuations, medical emergencies, lost or delayed bagage and trip cancellation. Research policies at insuremytrip.com

Not turning off cellular data
Don’t forget to turn off cellular data before you power down your phone. Upon landing in London and in a jet-lagged state, I forgot to turn off cellular data and downloaded a few e-mails and loaded Facebook while waiting for my luggage. I realized my mistake quickly but was already out $15.  I’ve known fellow travelers who have been hit with unexpected bills for exorbitant amounts because they forgot to turn off cellular data/roaming.

Making phone calls with your cell phone
Similar to using cellular data on your phone abroad, making voice calls on your international trip can lead to a nasty surprise when you get home. International roaming is expensive and some companies charge as much as $3.49 for a voice call and $0.75 per text message. If you need to make calls while you’re out of the country, consider purchasing a phone that will work with a SIM card or buying an inexpensive phone overseas. If you need to make an occasional call, you can use apps such as Google Voice or Skype, although you’ll need to have a WiFi connection enabled.

Not checking the CDC Traveler’s Health website
I’ve become fairly complacent about checking the CDC Traveler’s Health site for vaccination information. I happened to schedule a doctor’s appointment before my trip to Guatemala and Belize and I mentioned my upcoming travel plans to my doctor. She looked up the CDC site while I was sitting there and informed me I was traveling to an area with a high malaria risk and I’d also need a Typhoid and Heptatis A vaccination. While visiting the doctor and getting shots is not the highlight of anyone’s trip planning process, it’s worth taking the time to visit your doctor to avoid some potentially serious health consequences.

Booking a tight layover
You don’t want to be the out-of-breath traveler running down the airport terminal in flip flops with a heavy backpack. That was me a couple of years ago, running through the Houston airport, trying to make my connecting flight to San Jose, Costa Rica. I originally had 45 minutes for the layover but due to a delay in Seattle, I only had 15 minutes to make my connecting flight once we landed. I always leave a window of at least an hour and a half, which decreases the chances that I’ll miss my next flight or lose my luggage.

Overpacking
You don’t need to have your entire wardrobe available while you’re traveling. According to a survey by Travelodge, the average person returns home from a trip with at least six unworn outfits. Try to mix and match as much of your wardrobe as possible and plan on rewearing everything at least once. You don’t want to get stuck lugging your overpacked bag up the narrow stairs of a quaint bed and breakfast in Ireland. You also want room in your bag so that you can bring home souvenirs that you find along the way.

Trusting a hotel when they say they’re near the city center
Unless you want to spend your vacation time commuting back and forth from your hotel to the city, don’t rely on the hotel’s website to tell you how far they are from the city center and major attractions. Before you book, open up Bing Maps and plot the course from the hotel to the city to get a more accurate picture.

Not booking a transfer in advance
If you don’t know the local language, I highly recommend booking an arrival transfer to take you to your hotel from the airport. When I arrive at my destination, I’m usually jet-lagged and counting down the minutes until I can shower and change into a fresh outfit. Having someone waiting for me at the arrivals hall is comforting and relieves the stress of hiring a taxi and getting local currency to pay the driver. I didn’t take my own advice on my last trip and was ripped off by my cab driver. I paid $20 for a cab ride that should’ve cost $5 and I was too tired to even care.

Not minding your manners
Don’t assume that everyone you encounter abroad speaks English. Mind your manners and learn how to say “please,” “thank you,” and “can you help me?” in the local language. If the person you’re trying to communicate with speaks English, they’ll usually switch automatically once you’ve approached them in their language. If they don’t speak English, they’ll be more likely to help you find someone who speaks English. A smile goes a long way.

Not notifying your bank of your travel plans
If you don’t put a travel alert on your credit cards, your bank will shut them off as soon as you try using them abroad. Spending 10 minutes on the phone with your bank before you leave will help you avoid the hassle of trying to call them while you’re on vacation.

Rebecca Pattee is a Seattle-based Senior Content Manager at MSN Living and blogs at awayfromtheoffice.com.