Originally Posted by
It'sHip2B^2
I disagree with the Euros before you leave. It's much cheaper to get them via ATM when you get there.
In these circumstances, this is extremely bad advice.
Re-read the OP's post. She's young, a very inexperienced traveler and very nervous. She needs to have cash in hand to get out of the airport and to her hotel.
Then she can worry about finding an ATM. Landing in her in a foreign country with zero local currency to save a few bucks on the exchange rate is pennywise, pound foolish, as the old saying goes. Getting $100-$200 at her local bank is a cheap insurance that she can get where she needs to go and eat for a day or two. Many restaurants in NL still do not take credit cards, and if you use a $US card to buy a local train ticket you'll pay several times the cost of the ticket in exchange fees.
Originally Posted by
It'sHip2B^2
You should buy a money belt (at Walmart/Target/etc) to put your money and extra CC in.
. Money belt? Again, re-read the OP's post: 23 and female. Odds are excellent that a money belt would be screamingly obvious under her clothes. Maybe a bra pouch or one that fastens under the arm, but not a money belt.
I do agree that one should never carry all their cash and cards in the same place.